Storm-ready Homes—Discounts for Disaster Proofing Your Property

Owning property in Florida means being prepared for the possibility of severe storms and hurricanes. By taking proactive measures to disaster-proof your home, you can minimize damage and potentially qualify for insurance discounts.

Reinforce Your Roof

Installing hurricane straps or clips can secure the roof to the walls, reducing the risk of it being blown off during high winds. Additionally, using impact-resistant roofing materials can help protect against hail and flying debris. These upgrades enhance your home’s resilience and may make you eligible for insurance discounts.

Upgrade Windows and Doors

Installing storm shutters or impact-resistant windows can prevent breakage from flying debris; reinforcing doors can help them better withstand strong winds. These improvements significantly reduce the likelihood of interior damage during a storm, potentially lowering your insurance premiums.

Address Flooding Risks

Flooding is a common concern in many storm-prone areas of Florida. Taking steps to flood-proof the porperty, especially if it’s in a flood zone, can be a crucial step in preventing water damage. Installing sump pumps and backflow valves can also help manage excess water and prevent flooding. Consider adding flood insurance if you don’t already have this crucial coverage.

Consider Risks Outdoors

Landscaping can also play a role in storm-proofing your property. Keeping trees trimmed and removing dead or weak branches can prevent them from becoming dangerous projectiles during a storm. Additionally, securing outdoor furniture and other items can reduce the risk of damage.

Create an Emergency Plan

Beyond the physical modifications, having a comprehensive emergency plan is essential. This includes knowing evacuation routes, having a stocked emergency kit, and ensuring all family members are aware of safety procedures. While this may not directly impact your insurance rates, it enhances overall safety and preparedness.

Contact Us

For more detailed advice on storm-proofing your home and to learn about potential insurance discounts, consult our team of experienced agents. Contact Global Insurance and Tax Services in West Palm Beach, Florida, to evaluate your current home insurance coverage and get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.