Did you know that the state of Florida pays the highest insurance rates in the US? That’s because, in Florida, homeowners insurance and hurricane insurance are one and the same.
Related Blog: The Cost of Hurricane Damage: How to Save Thousands on Repairs
Living in Florida involves managing yearly hurricane damage, especially for waterfront property owners who face the worst of the storms and, consequently, higher insurance rates. But, by enhancing your property's hurricane protection through strategic investments you may be able to lower these costs.
Here are 4 investments that will make your home safer during hurricane season, reduce annual repair costs, and lower insurance expenses.
Windstorm Mitigation
Windstorm mitigation involves taking proactive steps to secure your home against high winds and flying debris. The National Hurricane Center recommends regularly conducting a wind mitigation inspection to ensure your property is always safe.
When inspecting your roof, check the installation date, attachment method, and shape. To keep windstorm damage at bay, strap down your roof with hurricane clips or straps to make sure it's wind-resistant. Or, if your roof isn’t properly shaped or if it’s too old, it might be time to invest in a brand-new roof.
Impact Resistant Windows
Investing in impact-resistant windows is not only a smart choice for enhancing your waterfront property's resilience to high winds and break-ins, but it also offers the added benefits of reducing insurance and utility costs. These windows come equipped with multi-layered glass and a protective layer that effectively prevents shattering caused by flying debris, ensuring your property's safety during severe weather conditions.
Many insurance companies recognize the value of such installations and offer attractive discounts on hurricane insurance in Florida for properties equipped with these windows. By choosing impact-resistant windows, you're not just securing your property; you're also making a financially savvy decision that pays off in the long run.
Hurricane Shutters
Hurricane shutters, like wind-resistant windows, protect your home against strong winds, serving as an extra layer of defense for windows and the main protection for doors. They also boost home insulation, lower energy costs, and enhance security against break-ins or vandalism.
Available in various styles like sleek accordion, sturdy roll-downs, and practical panels, there's a type of shutter to fit every budget and home design. Similar to wind-resistant windows, many insurance companies offer discounts on hurricane insurance in Florida for properties with hurricane shutters.
Flood Protection
Foundational damage to your waterfront property is one of the most costly forms of hurricane repairs. This is why insurance companies often reward waterfront property owners who invest in a well-maintained seawall.
Seawalls serve as protective barriers against storm surges and rising water levels, requiring regular maintenance and periodic inspections to stay effective. Building one demands expertise and collaboration with professionals familiar with the location's specific challenges.
Ready to safeguard your home? Duncan Seawall offers custom seawall construction and repair to fit your needs and environment. Download our seawall guide and start your hurricane preparedness today!
