Most existing houses have one or more wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state have many wind resistive construction features and will likely qualify for credits.

By answering a series of questions about your home as it currently exists or based on renovations you are planning, the Wind Insurance Savings Calculator (WISC), will help determine what level of savings you may be eligible for.

Background

Florida Statute 626.0629 requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials..." for construction techniques that reduce damage and loss in windstorms. Florida insurance companies were required to submit filings by March 2003 that provide for these wind mitigation discounts. The insurance company filings began to take effect during 2003. Each year, as insurance companies submit new filings, the Wind Insurance Savings Calculator is updated to reflect these filings that contain the latest information about premium savings. The discounts estimated on this website are for single family houses and owner-occupied units of multi-family dwellings.

The wind insurance savings presented herein are given as percentages of the wind portion of your total insurance premium. The wind portion is generally between 15 and 70% of the total premium depending on where you live in Florida. Due to the complex nature of premium determination, actual dollar discounts are not calculated here. For premium quotes, contact your insurance agent or the individual insurance company in question. More info

Click "Start" to begin calculating your potential wind insurance savings.