The following is an example of how much you can reduce your insurance premium if you have mitigating features on your home. The example is based on your hurricane-wind premium of which is part of your total annual premium of $1,377.79. Remember, the discounts shown only apply to the hurricane-wind portion of the premium and the discounts for the construction techniques and features listed below are not cumulative.
|Description of Feature||Estimated*|
Premium Discount Percent
Annual Premium is Reduced by:
|Roof Covering (i.e. shingles or tiles)|
* Meets the Florida Building Code
* Reinforced Concrete Roof Deck
* If this feature is installed on your home you most likely will not qualify for any other discount.
|How Your Roof is Attached|
* Using a 2″ nail spaced a 6″ from the edge of the plywood and 12″ in the field of the plywood
* Using a 2 1/2″ nail spaced a 6″ from the edge of the plywood and 12″ in the field of the plywood
* Using a 2 1/2″ nail spaced a 6″ from the edge of the plywood and 6″ in the field of the plywood
|Secondary Water Resistance (SWR) : not SQR|
* SWR. Self adhering polymer modified bitumen roofing underlayment applied directly to the sheathing of foam SWR Barrier ( not foamed on insulation) applied as a secondary means to protect the dwelling from water intrusion.
* No SWR
* Using “Toe Nails” – defined as 3 nails driven at an angle through the rafter and into top roof.
* Using Clips – defined as pieces of metal nailed into the side of the rafter/truss and side of top plate or stud
* Using Single Wraps – a single strap attached to the side and/or bottom of top plate and nailed to rafter/truss.
* Using Double Wraps – straps are attached to the side and/or bottom of top plate and nailed to rafter/truss
* Intermediate Type – shutters that are strong enough to meet half the old Miami-Dade building code standards
* Hurricane Protection Type – shutters that are strong enough to meet the current Miami-Dade building code standards
* Hip Roof – defined as your roof sloping down to meet all your outside walls (like a pyramid).