How Wind Mitigation Certificates Save Sarasota Homeowners Money

If you have hurricane shutters in Sarasota and haven't submitted a wind mitigation certificate to your insurance company, you are likely overpaying for your homeowners insurance by hundreds of dollars every year.

What Is a Wind Mitigation Certificate?

A wind mitigation certificate — formally called a Florida Wind Mitigation Inspection Report — is a document completed by a licensed inspector that describes the hurricane-resistant features of your home. It covers your roof construction, roof-to-wall connections, roof covering, and opening protection (windows, doors, and skylights).

You submit this report to your insurance company. They then apply wind mitigation discounts to the wind portion of your annual premium.

How Much Can You Save?

In coastal Sarasota County, the wind premium often makes up 40% to 60% of your total homeowners insurance bill. The opening protection credit alone typically represents 10% to 45% of the wind premium.

How to Submit Your Certificate

1. Contact your insurance agent and let them know you have a wind mitigation report.
2. Email or mail the completed report to your insurer.
3. Request a policy review and premium recalculation.
4. Your insurer will apply the applicable discounts at your next renewal, or in some cases immediately.

How Long Does the Certificate Last?

Florida wind mitigation certificates are valid for 5 years, after which a re-inspection may be required by your insurer to continue receiving the discount. Total Shutter Technologies provides a wind mitigation report as part of every installation at no additional charge.