Summertime in Florida can bring unpredictable weather that can cause damage to your home very quickly, and this is why you want to make a point to have the correct home insurance coverage in place to help you. This is also the perfect time to look for discounts on your home insurance premium. We’re going to outline the biggest ways to qualify for savings on your home insurance in Florida below.
Check Your Roof
Since hurricanes and tropical storms can bring such high winds, your roof can be a massive weak spot in your home. You want to make a point to seal and secure your roof routinely. Take a few minutes to inspect your room covering to make sure that there are no cracked or missing tiles or shingles and that they’re all secured. If you’re planning on putting on a new roof, spend a little more upfront to seal your roof deck.
Sealing the roof deck usually involves covering the entire thing with a membrane that will seal the moisture out, or your company may apply a waterproof tape over all of the seams on your roof to seal it. Another step you want to take is securing your roof with roof straps. Florida law requires builders to use metal straps to attach your roof to the walls instead of relying on gravity to hold it there. Anyone who can get to their roof through an attic can add these metal roof straps for less than $800. This is an excellent way to safeguard your home and make sure that the wind won’t lift the corners or rip it away.
Install Hurricane Impact Windows and Doors
Every part of your home that you can have built to be impact resistant should have this feature. The biggest points are your doors and windows, but it can extend to your walls. No matter if you’re upgrading your current home or building new, you want to have hurricane-resistant features in the back of your mind at every part of this process. If you don’t, you may miss out on excellent ways to save on your home insurance.
Make a point to focus on the weakest points in your home, like your windows and doors. Failure to focus on these areas and upgrade them can spell disaster for your home because they can help prevent flooding and structural failure. Also, installing these types of windows and doors is fairly inexpensive because they’re so common throughout Florida as a known safety feature.
Anchor Your Porches and Carports
Look around your home at any porches or carports you have. If you have one that resembles a wing, it can easily tear a hole in your home when the wind catches it and starts to rip it away. This can result in massive structural damage to your home, and it can make your insurance premiums go up.
To negate this, you want to ensure that any carport, porch, or other structures attached to your home have firm anchors into the ground. If you can connect them to a concrete slab, this can help prevent the wind from going underneath them, lifting them up, and ripping them away from your home.
Reinforce the Garage Door
This step can serve a dual purpose in helping you save on your home insurance premium. First, this is a nice way to upgrade your security factor in your home. It’s also practical because garage doors can easily blow in if the winds get strong enough during a storm.
If the garage door blows in and there is an attic above it, the attic can also blow up and start wreaking havoc on your home. You can take steps to strengthen your existing garage door by installing a vertical door brace. Once it’s in place, you can reinforce it using horizontal wooden beams to prevent it from blowing in.
Take Flood Resistance Measures and Have Recovery Features
Homes that come built to withstand tropical storms and hurricanes focus on combating floods. During construction, companies focus on flood resistance and recovery from flooding. Flood resistance is simply minimizing access points for the water to get into your home and accumulate by sealing around doors, windows, and holes, and having better waterproofing and drainage features.
Having a more simple architectural layout in your home is the second step many companies take when they focus on flood recovery. Ideally, the first store should be parking and storage with a concrete construction that is easy to replace if the area floods or you get mold damage.
Load pathing is more complex. Still, all it boils down to is building a home so that all of the places where force accumulates in your home from the structure’s weight get accounted for during construction to minimize the possibility of a structural collapse. Ideally, your home should be able to withstand 120 mph winds with correct load pathing in place.
Double-Check Your Home Insurance Policy
One of the best ways you can help your savings stack up with your insurance is to go over it once a year. This way, you’ll be able to double-check that you have the correct coverage for your needs, like food insurance. It’s also a great time to report any steps you took in the past year to make your home more resistant to storms and damage to help lower your premium. Make a point to check it at least once a year, if not twice.
Nsure Can Help With Your Home Insurance Needs
Are you happy with your home insurance coverage and costs? Do they offer opportunities for savings? If the answer is no, Nsure can help. All you have to do is input a little information about your home, and you’ll get quotes from over 40 of the top-rated companies in the United States. When you find one you like, you can choose it and download the app to help you manage it.