Loggerhead Insurance offers savings to policyholders whose homes are equipped with features that can prevent or reduce losses in the event of a windstorm.
Proof of installed loss mitigation features is required.
Discounts apply exclusively to the wind-related portion of your homeowners' premium.
Protection of your home’s openings (windows, doors, sliding glass doors, skylights, and/or garage doors) is the single greatest hurricane loss mitigation strategy for your home – ALL your home’s openings MUST be protected for this discount.
Roof Shape & Covering
Roof material and age determines your home’s eligibility for Hurricane Mitigation Discounts.
Gable and Hip roofs comprise more than 90% of Florida homes’ roofs, with Hip roofs qualifying for larger Hurricane Mitigation Discounts.
The most important feature of your home’s roof-deck is its attachment to the framing – not all roof-deck attachment types result in a discount.
The fasteners used to transfer the loads from your home’s rafters or trusses to the top-plate or side-wall – not all roof-to-wall connection types result in a discount.
2001 Florida Building Code (FBC)
If your home was built after March 1, 2002, it was constructed to safety standards that typically result in Hurricane Mitigation Discounts.
If your home was built before March 1, 2002, you still may receive a discount if it has been retrofitted in conformance with the Windstorm Mitigation elements of the 2001 FBC.
Secondary Water Resistance (SWR)
This is an additional layer under your home’s shingles that provides a secondary level of water protection – note this does not include foamed-in-place spray foam insulations.
If you hire a contractor for a wind mitigation inspection for your home, you may verify the contractor’s license here first: License Search Portal
Assessing your home’s hurricane risk and
mitigating against it is a crucial step in
protecting your home from the costs that
follow severe storms and hurricanes. Budgeting
for these upgrades now can save you money
overall by qualifying for Hurricane Mitigation
Discounts on the wind portion of your