What is the Florida Wind Mitigation Credit program?
Answered by AskBaily Editorial · Updated
Short answer
Florida Insurance Code §627.0629 mandates that insurers apply premium discounts to homes with documented wind-resistant features: impact openings, roof-to-wall straps (clips vs single wraps vs double wraps), secondary water barriers, roof-deck attachment, and hip-roof geometry. A wind-mitigation inspection filed within 365 days of completion typically cuts homeowner-insurance premiums 25-45% — often $1,200-$3,800 annually on Tampa Bay homes.
In detail
Florida Insurance Code §627.0629 mandates that insurers apply premium discounts to homes with documented wind-resistant features: impact openings, roof-to-wall straps (clips vs single wraps vs double wraps), secondary water barriers, roof-deck attachment, and hip-roof geometry. A wind-mitigation inspection filed within 365 days of completion typically cuts homeowner-insurance premiums 25-45% — often $1,200-$3,800 annually on Tampa Bay homes.
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