How much could a new roof take off your insurance?
Florida requires insurers to discount the hurricane part of your premium for a code roof, impact windows and doors, and hurricane straps. Enter your premium and see the range.
How much could your insurance drop?
I know my hurricane (windstorm) premium
Discount the house can qualify for, per year—
Off the hurricane portion—
Already getting wind credits? Your declarations page lists them; your new savings are the credits you don't have yet.
Estimate only. Florida's wind-mitigation discounts apply to the hurricane portion of the premium; homes built to the 2001 code (1994 South Florida code in Miami-Dade and Broward) qualify for at least 68% off it (Florida CFO). Other ranges come from a Florida insurer's published discount notice; discounts don't add up and are capped at 89%. Your insurer sets the real discount from a wind-mitigation inspection; we provide the documents your agent asks for.
Get a free estimateInsurance discount questions
Why does a new roof lower my insurance?
Florida law requires insurers to give discounts for features that reduce hurricane damage. A roof installed to today's Florida Building Code has upgraded deck nailing and a secondary water barrier, two of the features insurers credit. Impact-rated windows and doors and hurricane straps earn credits too.
Does the discount apply to my whole premium?
No. Florida's wind-mitigation discounts apply only to the hurricane (windstorm) portion. In South Florida that portion is often the biggest part of the bill; your declarations page shows it as its own line.
How do I get the discount?
Your insurer needs a wind-mitigation inspection report (form OIR-B1-1802) showing the features. After the work, we provide the documents your agent asks for; the insurer then re-rates the policy.
Is this number guaranteed?
No. It is an estimate from published Florida discount ranges. Each insurer has its own schedule, and the same house can get very different discounts from two carriers, so it is also worth asking your agent to shop the policy after the work.
Sources: Florida Department of Financial Services, Premium Discounts for Hurricane Loss Mitigation; Florida Office of Insurance Regulation, Wind Mitigation Resources; example ranges from a Florida insurer's OIR-required Notice of Premium Discounts for Hurricane Loss Mitigation.