Hurricane Insurance Savings Calculator
See how much you can save with wind mitigation improvements
Florida homeowners save an average of $1,200-$3,000 annually
Your Home Information
🏠 Property Details
🛡️ Wind Mitigation Features
Select the hurricane protection features you have or plan to install
Your Potential Savings
Return on Investment
| Improvement | Est. Cost | Payback |
|---|---|---|
| Impact Windows | $25,000 | 7.2 years |
10-Year Savings Projection
Plus increased home value and storm protection
Important Note
Actual savings require a certified wind mitigation inspection. These estimates are based on typical discounts in your area.
Available Grants & Programs
Florida offers several programs to help offset improvement costs:
Total Available: Up to $11,500 in grants and rebates
Understanding Wind Mitigation Discounts
How Discounts Work
Florida law requires insurance companies to offer discounts for specific hurricane protection features. These discounts are cumulative - the more features you have, the greater your savings.
- • Discounts range from 5% to 45% of windstorm premium
- • Windstorm typically represents 15-70% of total premium
- • Coastal properties see the highest savings
- • Newer homes (post-2002) already have some features
Wind Mitigation Inspection
A certified inspector documents your home's hurricane-resistant features. This inspection is required to receive discounts.
- • Inspection costs $75-$150
- • Valid for 5 years
- • Takes about 30-45 minutes
- • Uniform Mitigation Verification Form provided
- • Submit to insurance for immediate savings
Best ROI Improvements
Not all improvements offer equal value. Focus on these high-impact upgrades first:
-
1.
Hurricane Clips: $1,000-3,000 cost, 10-15% discount
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2.
Secondary Water Barrier: $2,000-4,000, 5-8% discount
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3.
Impact Windows: $20,000-40,000, 15-25% discount
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4.
Reinforced Garage: $1,500-3,000, 3-5% discount
Ready to Start Saving?
Get a free consultation on hurricane improvements that maximize your insurance savings
Schedule Free ConsultationLicensed CBC1268455 • Wind Mitigation Experts • Insurance Claim Assistance