Homeowners insurance in Florida is expensive – among the most expensive in the nation to be exact. Our geography makes us susceptible to home damage caused by major windstorms and hurricane force. And while damage caused by Mother Nature is out of our control, one thing that is in our control is what we do about protecting our home and keeping more money in our wallets.
Fortunately, the state of Florida issued legislation in 2002 mandating insurance companies to offer homeowners discounts on their insurance premiums if they install features that reduce damage and loss from wind storms. This includes installing things like impact windows and doors and are now one of the best ways to reduce homeowners insurance premiums.
Where to Start to Reduce Homeowners Insurance
In order to apply for a homeowners insurance discount or credit, it’s best to contact your insurance company prior to installing your impact windows so you understand what specific requirements you’ll need to meet in order to qualify for discounts as they can vary from company to company.
Then, start your research. Interview potential impact window installers by asking them these three important questions and calculate how much you can save with new impact windows. To estimate your potential savings, you can use the Florida Wind Insurance Savings Calculator.
As an added benefit, you’ll also save money on your energy costs as well as add immediate value to your home. What’s more, you won’t have to deal with costly clean up and disaster recovery after a damaging storm comes through.
Start Saving Today
Once installed, your residential contractor will help ensure that you have all the proper documentation, certification, and forms required by your insurance company to begin saving money.
At BigFoot Construction, we specialize in installing impact windows that provide structural protection in the event of a hurricane or other damaging winds as well as help reduce costs. Get in touch with us today at 305-790-1722 if you have questions about installing impact windows in your Miami home.