Home Improvement Projects to Decrease Windstorm Insurance

You've probably heard stories about individuals who have just finished building a home when a wind storm reduced it to rubble. In some U.S. states, tornadoes, dust storms, hurricanes and other wind storms cause a great deal of damage each year. Florida is one of these states. In Florida, having a hurricane or strong winds warning is not unusual at all. For this reason, having windstorm insurance is an absolute necessity. However, it is not necessary that homeowners pay exorbitant amounts for their windstorm insurance. By making a few improvements to their homes, individuals in Florida can lower their windstorm insurance costs, making safe, secure living much more affordable. Some of these upgrades include installing stronger roofs, as well as windows and doors.

First, having a stronger, more wind-resistant roof is a home improvement that can significantly lower your windstorm insurance payment. One of the most frequent types of damage caused by a windstorm is roof damage. In fact, roofs are often blown off of houses all together during wind storms. Houses that have stronger roofs or roofs that are attached to the house better are more likely to resist a wind storm. This means that insurance companies are less likely to have to pay large sums of money for wind damage on these houses. Because the risk of these homes being damaged is less, windstorm insurance companies will often cut families who make this type of home improvement a deal when it comes to insurance premiums.

Some of the roof features that windstorm inspectors look at when assessing your home for discounts include a sturdy roof, a well-constructed roof deck (the part that connects the roof to the house), and wind-resistant shingles. Although the cost of making this improvement can be expensive, you may be able to take out a home improvement loan to complete these repairs. Because the repairs will save you money on your windstorm insurance, doing the repairs may save you money in the long run, even if you have to take out a loan. Additionally, the repairs can keep you safe.

Second, installing new windows and doors can help you secure your home against a windstorm. This home improvement can also help Florida homeowners reduce their windstorm insurance rates. Florida residents can choose from a number of reinforced window and door products to help their homes stand strong against a windstorm. Some of these options are permanent, while others are temporary solutions that can be installed in the event of a hurricane. While any of these options can help you keep safe in a windstorm -- and even though each of them will, indeed, reduce your windstorm insurance rates -- remember that windstorm insurance agents reduce rates when risk is low. Lower risk comes with the most sturdy and wind resistant hardware, which also tends to be the most expensive. Again, it is possible to take out a home improvement loan to pay for these extensive improvements. For many homeowners, making the most extensive improvements is the best value because they will last the longest and will get this the largest return on investment. However, homeowners that make minor repairs can still manage to get some reduction in their windstorm insurance costs, since their risks are lowered, though not to the extent of the homeowners who implement extensive repairs.

Third, the structure of the home is always an important component of any home, and the stronger the structure, the more likely a home will stand up to windstorms. To determine whether you need to have structural repairs done on your home, you should consult with a contractor or wind mitigation specialist. This person will tell you if your home needs work or if the structure and foundation are already solid enough to resist a windstorm.

Florida residents who have made these improvements to their homes will want to call an expert to do an inspection on their homes. Often, insurance companies will have their own inspectors. In fact, insurance companies often want to play a large part in the process of home improvement and wind-proofing homes. Your insurance company may have a specific list of repairs for you to do. Or, they might send an inspector to your home to give you pointers before you begin to remodel. For this reason, you may want to call your insurance company before you start to do repairs.

After you complete your repairs, you will be able to discuss with the insurance company the possibility of obtaining lowered rates. Of course, homeowners should continue to improve their homes as new technologies become available that will lower their insurance rates. Once you've made your home more windproof, you'll not only save money on your insurance, but you'll also have a safer home to live in.