Once you install impact windows and doors on your home, then one of the next things you will want to do is to contact your insurance company or agent and ask them what the process would be to apply for a discount on your insurance premium in Florida now that you have impact resistant windows.
On March 1, 2002, there was a state legislation that was passed that basically required insurance companies to give homeowners discounts on their property insurance if they installed features that could reduce the amount of damage or loss during a windstorm and in 2003 these new special insurance premium discounts were in place.
It is important to understand that to qualify for a discount with most insurance companies you will need to install impact windows and doors on all the openings of your home, you should contact your agent to find out what the qualification process is and to make sure that you are getting the right amount of credit for all the improvements that you have made to your home to protect it and make it stronger against natural disasters and burglary.
Normally, homeowners can expect to get up to a 45% in premium discounts when they show proof of risk mitigation alternatives.
You should be able to find out more information on your insurance company’s website and the Florida statute that governs this is 627.0629, which basically states that any insurance company that provide residential property insurance to residents in Florida, must provide the homeowners with some type of discount for their homes if the homeowner have installed effective wind storm protection.
Once the installation is complete you will want to get a copy of the certification of key constructions features from your impact window company, because you will need to provide this to your insurance company to qualify for the discounts. The certifications have to be approved by an engineer or engineering firm, building official or registered architect. If your window contractor did not provide this for you, you can also call a local inspection company that offers this type of service, which is a less expensive route to take in obtaining this certification.
We all know that insurance rates in Florida are higher than what it is in other states and we could argue either side of the pros and cons, but if you are a homeowner that would like to reduce your insurance premiums, you should consider installing hurricane impact windows to do so. Reducing your insurance premium or deductible is just one of the many ways that hurricane windows can reduce some of your monthly expenses at home.
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