Homeowner’s Insurance Discounts
Southwest Florida Wind Mitigation
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Homeowner’s Insurance discounts are one of the many benefits to having a new roof installed by Roof Smart.
Wind Mitigation in Cape Coral, Fort Myers, Port Charlotte and Naples
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Expert Wind Mitigation in Cape Coral, FL
Homeowner’s Insurance discounts are one of the many benefits of having a new roof installed by Roof Smart. One of our objectives is to put as much money as possible, back into your pockets. Wind Mitigation discounts are applied towards the windstorm portion of your total insurance premium. Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing homes using the strongest options in the Florida Building Code. Depending on where you are located in Florida, the windstorm portion of your homeowners insurance is between 15% and 70% of the total premium.
According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners “discounts, credits, or other rate differentials…” for particular construction techniques, that help to reduce wind damage caused by hurricanes, tropical storms, and other windstorm related claims.
Wind Mitigation Services in Southwest Florida
Living in Southwest Florida means enjoying beautiful weather—but also facing the threat of high winds and hurricanes. At Roof Smart of SW Florida, we specialize in wind mitigation services that help protect your home or commercial property from storm damage while also potentially lowering your insurance premiums.
As a trusted local expert serving Naples, Fort Myers, Sarasota, Cape Coral, Port Charlotte, and Punta Gorda, we offer tailored solutions that strengthen your roofing system, secure vulnerable areas, and ensure your property is prepared for whatever nature throws its way.
What is Wind Mitigation?
Wind mitigation involves evaluating and reinforcing specific components of your home or building to reduce the risk of wind damage during storms. Florida homeowners can benefit significantly from wind mitigation improvements, both in terms of safety and cost savings through insurance discounts.
Our certified inspectors and roofing professionals assess your property and recommend the best strategies to enhance wind resistance and meet state compliance requirements.
Wind Mitigation Services Offered by Roof Smart of SW Florida
We provide a complete range of wind mitigation solutions, ideal for both residential and commercial properties across Southwest Florida:
Wind Mitigation Inspections
Our detailed inspections identify the strengths and weaknesses of your current roofing and structural systems. We assess:
- Roof shape and material
- Roof deck attachment methods
- Roof-to-wall connections
- Secondary water resistance layers
- Opening protection (windows, doors, garage doors)
Each inspection includes a comprehensive report that can be submitted to your insurance provider for premium reductions.
Wind-Resistant Roofing Enhancements
If your roof needs upgrades to meet modern wind codes, we offer:
- Enhanced roof deck fastening systems
- Improved roof-to-wall hardware (clips, straps, anchors)
- Installation of water-resistant underlayment
- Gable end bracing and structural reinforcements
Hurricane Strap Installation
These critical metal connectors tie your roof structure more securely to the walls of your home, significantly increasing wind resistance.
Benefits of Wind Mitigation in Florida
- Insurance Discounts: Most Florida insurers offer significant premium reductions for properties with verified wind mitigation features.
- Property Protection: Reduce the risk of costly storm damage and safeguard your family and assets.
- Code Compliance: Meet or exceed Florida’s stringent wind mitigation codes.
- Increased Home Value: Buyers value homes that are storm-ready and insurance-friendly.
Trusted Wind Mitigation Experts in Southwest Florida
With years of experience navigating Florida’s storm-prone climate, Roof Smart of SW Florida brings expert craftsmanship, certified inspection knowledge, and local familiarity to every wind mitigation project. We understand the challenges unique to Gulf Coast communities, from storm surge to Category 5 winds, and we provide solutions designed to last.
Warranties & Peace of Mind
All wind mitigation upgrades and installations by Roof Smart are backed by comprehensive warranties:
- 10-Year Workmanship Guarantee
- Manufacturer Warranties on materials used
- Fast, no-cost repair in the unlikely event of a service-related issue
We believe in standing by our work and giving you total peace of mind before, during, and after hurricane season.
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Get Qualified for Wind Mitigation Discounts
Wind mitigation discounts are justified because stronger, more wind-resistant houses have lower windstorm losses. Lower windstorm losses equal reduced costs to insurance companies, that are then passed on to the consumer. Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing homes, using the strongest options in the Florida Building Code. The discounted insurance rates in Florida apply to both existing construction (homes built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC).
We update your roof with new Miami-Dade approved materials that meet the Florida Building Code requirements
Nail your roof decking off with 8d ring shank nails 6′ on center, that meet the new Florida Building Code requirements
Install peel & stick underlayment on the decking, which is considered a secondary water resistance barrier, that prevents the roof from leaking if the shingles are blown off in a windstorm