Most existing houses have one or more wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state have many wind resistive construction features and will likely qualify for credits.
Florida Statute 626.0629 requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials..." for construction techniques that reduce damage and loss in windstorms. Florida insurance companies were required to submit filings by March 2003 that provide for these wind mitigation discounts. The insurance company filings began to take effect during 2003.
The Florida Department of Community Affairs funded a project to develop a Wind Mitigation Database; this web site is the result of that project. The discounts given on this web site are for single family or duplex houses. Discounts are also available for condominium and tenant occupancies, but they are not included in this version of the web site.
The discounts presented herein are given as percentages of the wind portion of your total insurance premium. The wind portion is between 15 and 70% of the total premium depending on where you live in Florida. Due to the complex nature of premium determination, actual dollar discounts are not calculated here. For premium quotes, contact your insurance agent or the individual insurance company in question.