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Old 08-17-2009, 06:41 PM
 
3 posts, read 5,556 times
Reputation: 10

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My husband and I just moved from California to Florida where we just purchased a home. We're meticulously looking at windstorm insurance but we definitely don't want
to spend too much on it. How can we realistically keep costs low? Can anyone share some advice on how to eliminate unnecessary expenses? Coming from Cali where there are no windstorms, we really don't know much about this topic. Any info will be helpful. Thanks!
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Old 08-18-2009, 06:50 AM
 
Location: East Tennessee
3,927 posts, read 10,610,201 times
Reputation: 5235
Though the program is now over, you can research wind mitigation from the state sponsored website here --> My Safe Florida Home. Talk it over with your insurance agent, too.
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Old 08-18-2009, 06:56 AM
 
Location: MI
1,068 posts, read 2,939,536 times
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You may get a discount if you have safety and security film on your windows, a 35% tint will help with cooling bills as well. It is important in FL to have some kind of window protection e.g. film,shutters,panels and have a system to secure and brace your garage door in the event of a storm.
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Old 08-18-2009, 11:06 AM
Nav
 
346 posts, read 1,348,510 times
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Installing Hurricane shutters on the house will drop the costs. Also raising your deductible will also lower your costs too. If your house was built in 2003 or later, you are built to the latest codes so it will be even lower still.

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Old 08-19-2009, 03:18 PM
 
Location: North Port
325 posts, read 915,318 times
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Wind Mitigation Inspection, it all depends on the:

Structure: what type? wood or block
Age of home?
Window coverings? Hurricane protection
Hurricane straps?
Style of roof?
etc
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Old 08-20-2009, 11:34 AM
 
1 posts, read 1,885 times
Reputation: 10
From my experience, you can save a great deal of money on your insurance by getting a wind mitigation inspection. All you have to do is do a quick search for a wind mitigation inspector and have that person come by and look at your house. Anything that you have done to reinforce your home against wind damage can be used to lower your premiums. I, personally, went to www.windmitigation.com/services/viewCat_P.asp?idCategory=2 where I was able to find an inspector and even get an instant quote. Hope this helps.
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Old 08-20-2009, 06:42 PM
 
3 posts, read 5,556 times
Reputation: 10
To all who posted comments and suggestions regarding my inquiry, thanks so much for the help! I did visit windmitigation.com and my husband and I found the website to be a great resource. Everything we needed to know about wind mitigation was there! And the best thing about it was that we were able to find an inspector in our area through the website. Thanks everyone!
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