Maintain Your Pipes and Your Business

How Florida Residents Can Reduce The Cost Of Homeowners Insurance

by Sheila Vasquez

Residents in the state of Florida are no strangers when it comes to hurricanes. In fact on one particular top-ten list, six different areas of the Sunshine State are considered the worst places for hurricanes. This can make having homeowners insurance spendy for some, but thankfully Floridians can still reduce the cost of homeowners insurance.

Install Impact Windows

Since part of your homeowners insurance has to do with protecting your home from getting damaged, installing windows that can help reduce the amount of damage caused by a hurricane can help to decrease the amount you pay on your premium. There are two main types of impact windows, which are also known as storm proof windows:

  • PVB Windows: Made out of impact-resistant glass, these windows have a special layer in between the sheets of glass called polyvinyl butyral (PRB). They are designed for small missile impacts.
  • PET Windows: These windows contain laminated glass that get attached to the frame with silicone structural sealant. They are designed for large missile impacts. 

All impact windows must meet hurricane codes put into place by the International Building Code or another approved body.

Making Wind Mitigation Improvements

Hurricanes are rated on a scale from one to five, which gets determined by the sustained wind speeds. For example, during a category one hurricane, sustained wind speeds reach 74–95 mph. During a category five hurricane, sustained wind speeds reach 157 mph and higher. These winds cause a lot of damage, which is why your homeowners insurance can be cheaper if you make the following types of wind mitigation improvements:

  • Ensuring your roof meets current building codes
  • Ensuring your roof is securely attached to the walls
  • Your roof should be shaped like that of a pyramid
  • Walls should be reinforced with steel concrete instead of plastic siding
  • Your roof contains a secondary water barrier
  • Openings such as windows and doors should contain wind-resistant features that meet Florida Building Code requirements

In order for homeowners to find out if their home meets the proper requirements for wind mitigation improvements, their home must be evaluated by a home inspector. If your home does not meet some of the requirements, the inspector will recommend any improvements that can be made in order to better protect your home from damaging winds.

By installing impact windows and making the proper wind mitigation improvements, you will be well on your way to protecting your home during a hurricane and lowering your home insurance premium at the same time. For more information, talk to a professional like