Whether you buy property in the Gables or the Grove and you receive financing the bank will require you to establish Windstorm Insurance coverage. This is in addition to the traditional homeowners policy and does not include flood zone insurance. Flood Zone insurance is only necessary if the property is located in a flood zone so check the map to know for sure while any financed property requires windstorm regardless of its south Florida location. Citizens happens to be the main vendor in town issuing Windstorm insurance and has monopolized this industry for a number of years. When purchasing a property or even if you own a home with a mortgage you should see if your home qualifies for discounts. Certain roofs, premier construction types and hurricane protection like shutters or impact glass will automatically lower your annual fee. For forms and more detailed information visit their resourceful website: https://www.citizensfla.com/index.cfm Typically, you hire a licensed certified inspector who will fill out and sign off on the specific mitigation form. The cost is around $125 and well worth it since this onetime fee could save you thousands of dollars over time! Your Realtor should have a handful of inspector contacts for you who specialize in doing this specific windstorm discount inspection. See below for a list of possible credits.
Premium Credits for Wind Mitigation Construction Features
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Mitigation Features
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Eligible Building Types
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Roof Covering
Common types include shingles, clay tiles, metal, and built-up tar and gravel. This feature must meet or be equivalent to the Florida Building Code.
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- Single-family homes
- Apartment units
- Residential condominium units
- Commercial residential apartment and condominium association buildings
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Roof Deck Attachments
The method used to connect the roof decking (plywood, metal panels, etc.) to the roof trusses or rafters.
Also includes cast-in-place or pre-cast concrete and self-supporting roof systems.
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Secondary Water Resistance
Material applied to the roof covering to prevent water from intruding into the structure.
Does not include roofing felt or similar paper-based products.
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Opening Protection
Wind-borne debris protection devices installed to protect structure openings (windows, skylights, doors, etc.).
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- Single-family homes
- Apartment units
- Residential condominium units
- Commercial residential apartment and condominium association buildings
- Buildings used for commercial purposes
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Roof-to-Wall Attachment
The method used to connect the roof trusses or rafters to the walls of the structure.
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- Single-family homes
- Apartment units
- Residential condominium units
3 stories or fewer only
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Roof Shape
Common roof shapes include hip, gable or flat.
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- Single-family homes
- Apartment units
- Residential condominium units
3 stories or fewer only
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If you are buying or selling in South Florida please do not hesitate to contact me at 305-807-9199.