Two years after Helene and Milton, the year a house was permitted predicted its outcome better than the storm that hit it. The verified record, and what it means.
The OIR-B1-1802 wind mitigation form decides your Florida hurricane insurance discount, often $300 to $3,500 a year. Here is what it checks and what changed in the new April 2026 version.
An honest impact windows vs hurricane shutters vs plywood comparison from a South Florida installer: real costs, deployment time, insurance credits, and which option fits your house.
Florida hurricane insurance is actually three separate products. Most homeowners only learn the difference after a storm. Here is the plain-English breakdown.
If your home already has impact windows, you typically do not need hurricane shutters. Impact windows are standalone opening protection under the Florida Building Code, but there are specific scenarios where adding shutters makes sense.
The wind mitigation inspection is the single most valuable document for reducing your Florida insurance premium. Here's what the inspector checks, what each item is worth, and how to maximize your discounts.
Impact windows save Florida homeowners $1,000-$3,500 per year on insurance in South Florida. Here's exactly how the wind mitigation discount works, what your savings will be, and how to claim them.
