The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), That became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses means a reduced cost to the insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. Those new discount insurance rate's began to take place in 2003 in Florida . They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these discounts, most insurance companies require a certification of the key construction features

What qualifies for an Insurance Discount : Most existing houses built in Flagler County Palm Coast built before the 2001 Florida Building code may have one or more of these wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant credits. A windstorm mitigation inspection will verify your homes existing construction features.

The following items are building features that reduce wind damage for which many insurance companies offer wind premium discounts.

1- Roof Coverings, such as shingles that meet the 2001 FBC Requirements.

2- Roof Decks that have been installed with large nails and close spacing.

3- Hurricane clips/straps that hold the roof structure to the walls and provide better up-lift resistance.

4- Protection of Openings such as windows and glass doors with impact resistant glazing or other hurricane shutters/opening protection.

5- Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.

6- Newly Constructed Homes built to the Florida Building code since March 1,2002

Roof Design, Hip roofs seem to divert the stronger winds and receive a better rating.