Do I need to have hurricane shutters to qualify for wind mitigation discounts?

No. There are many other features of your home that may qualify for wind mitigation discounts. Even if you do not have shutter one of these other features may apply to your home and give you a discount. Each feature has a separate discount available.

Briefly – Categories of features inspected:

1. Building Code: What building code was used to design and build the structure?
2. Predominant Roof Covering.
3. Roof Deck Attachment.
4. Roof to Wall Attachment.
5. Roof Geometry: What is the roof shape(s)? (Porches or carports that are attached only to the fascia or wall of the host structure and not structurally connected to the main roof system are not considered in the roof geometry determination.)
6. Gable End Bracing: For roof structures that contain gables.
7. Wall Construction Type: Check all wall construction types for exterior walls of the structure and percentages for each.
8. Secondary Water Resistance (SWR).
9. Opening Protection.

- Hoffman Home Insurance

NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies� forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.


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