Home Insurance Buyers Guide Hub

Learn how to determine how much homeowners insurance you need.

What Are Wind Mitigation Features? 

Wind mitigation features are aspects of your home’s construction that reinforce it against high winds. In Florida, where hurricanes and other windstorms are relatively common, homeowners can receive substantial insurance discounts for outfitting their homes with windstorm mitigation features, resulting in significant long-term savings. More importantly, adding wind mitigation features to your home can also protect your family in the event of a major storm.

In order to qualify for wind mitigation discounts, you’ll need to have a home inspection by a certified inspector who will check for features related to:

• Roof Shape
• Roof Deck Attachment
• Roof Covering
• Roof-to-Wall Connections
• Secondary Water Resistance
• Protection of Openings (doors, windows and other openings)

Here’s a summary of the wind mitigation features that inspectors look for:

Once complete, the inspector’s report can be submitted to your insurer for discounted premiums. Keep in mind though, the size of the discount will vary based on the insurer and the types of wind mitigation features your home has. Some insurers may also require a new wind mitigation inspection every 5 years to maintain those discounts.