OK, so I recently decided to re-visit an old post I did on how to calculate the annual wind storm credit Citizens Insurance gives if I say install shutters or install impact rated windows. To do this one must look at the mitigation credits form AND something called the “Mitigation Factors” tables in the Citizens underwriting manual.
First, print out and review the form required to request these credits…
Use this form and the tables below to determine if an upgrade to your home will yield a wind storm mitigation credit. For instance if every window in your home has Level A protection EXCEPT your front entry door then if you changed this out you will get the full “A” mitigation credit for this section. The cost for this may be $1000 but the mitigation credit could be almost 40% off your annual premium of $4,000 or $1,600 A YEAR in savings.
Let’s assume that the policy is for wind storm only and a single family home. One would then look at the table:
If one has a non FBC roof (very old now as this would be pre 2002) with Level A attachment roof sheathing, toe nailed truss/rafter connections and no secondary water proofing BUT you added Class B shutters (and doors and sky lights) protection then this would reduce your base premium by 1-0.71 or 29%. And, if you went to Class A then it would be reduced by 39%.
This is an old post I did on calculating the discount based upon your current premium.
