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:
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:
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 http://www.gulfcoastbuildersinc.com.Share