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HURRICANE INSURANCE

A windstorm is a peculiar kind of peril. In inland areas, it usually means fallen branches or loose shingles. But in Florida, the windstorms that blow in off the Atlantic Ocean can cause catastrophic damage, especially in coastal areas. In 1992, Hurricane Andrew cost the insurance industry more than $15 billion and pushed a number of insurers into bankruptcy.

In the wake of Hurricane Andrew, many insurance companies fled the Florida home insurance market. As a result, the state was forced to create two home insurance pools: the Florida Windstorm Underwriting Association (FWUA), which provided coastal residents with wind-only coverage, and the Florida Residential Property and Casualty Joint Underwriting Association (JUA), which provided comprehensive home insurance to Floridians who couldn't find coverage in the private insurance market.

In 2002, Florida lawmakers combined the two pools. Citizens Property Insurance Corp. is now Florida's provider of windstorm coverage and the state's home insurer of last resort.

Pallant Insurance Agency Agency has been appointed by Citizens Insurance since its inception in 1993. Our knowledge and expertise will ensure you receive the credits you deserve and the best possible rate available.

Citizens Property Insurance Corporation offers premium discounts up to 45% for hurricane mitigation features found on your home. With the exception of roof shape, which may be verified by a photograph, most mitigation features require independent certification by a licensed expert.

Citizens premium discounts for newer homes that comply with the Florida Building Code are available to homeowners by simply verifying the year the home was built or the age of construction.

Please be aware you will be responsible for any expense associated with the use of these forms and for any other costs you incur to substantiate these construction techniques.

In addition, it is important to understand the how the windstorm premium discounts will be applied to your policy. First, the discounts granted for mitigation features are not cumulative. In other words, you simply cannot add each feature to arrive at your applicable discount. These construction features work together and your total policy discount is a function of all the property's features.

Second, all applicable mitigation premium discounts are applied only to the "wind" portion of your insurance premium.

We encourage you to contact your Citizens agent so they may assist you with the following:

  • Determining what mitigation discounts you may qualify for.
  • Determining which mitigation affidavits will have to be completed as part of the independent certification by a licensed expert to qualify for these discounts.
  • How to obtain and execute the proper affidavits to obtain these discounts.

We work closely with Florida Insurance Inspections, Inc to ensure our clients are receiving the credits they deserve. To set up an appointment to see how Florida Insurance Inspections can help you, Click here. http://floridainsuranceinspections.com/

Call Pallant Insurance today at 954.522.3800 OR complete our: Online quote request