by ALLVIEW » Wed Jul 25, 2007 05:09 am
"Construction mitigation" refers to actions taken to permanently reduce or eliminate long-term risk to people and property from the effects of hazards. Under Florida law, property insurers are required to offer Florida homeowners "discounts, credits, or other rate differentials, or appropriate reductions in deductibles" for construction techniques that reduce damage and loss in windstorms (section 627.0629, Florida Statutes). Fixtures and techniques include, but are not limited to, those that enhance roof strength, roof covering performance, roof-to-wall strength, wall-to-floor-to-foundation strength, opening protection, and window, door, or skylight strength.
Discounts may also be available for a building with an approved sprinkler system (section 627.0654, Florida Statutes).
For mobile home owners, insurance discounts may be available for construction that complies with American Society of Civil Engineers Standard ANSI/ASCE 7-98 and applicable Florida tie-down requirements.
Reductions in the cost of homeowner insurance are not automatic. Here are steps and requirements (may vary with each insurance company):
• Each home is evaluated on an individual basis and based on an inspection
• Inspection by an individual approved by the insurance company
• The insurer may require you to pay the costs associated with the inspection (if you request it)
Although a reduction in the cost of your property insurance is a good incentive to build (or re-build) stronger and better, the best reason will always be for the protection of you, your family, and your valuables.![]()
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Discounts may also be available for a building with an approved sprinkler system (section 627.0654, Florida Statutes).
For mobile home owners, insurance discounts may be available for construction that complies with American Society of Civil Engineers Standard ANSI/ASCE 7-98 and applicable Florida tie-down requirements.
Reductions in the cost of homeowner insurance are not automatic. Here are steps and requirements (may vary with each insurance company):
• Each home is evaluated on an individual basis and based on an inspection
• Inspection by an individual approved by the insurance company
• The insurer may require you to pay the costs associated with the inspection (if you request it)
Although a reduction in the cost of your property insurance is a good incentive to build (or re-build) stronger and better, the best reason will always be for the protection of you, your family, and your valuables.
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