Understanding wind mitigation and its benefits
了解风力缓解，可能的好处和家庭pp王者电子官网的折扣
飓风季节通常从6月持续到11月，每年都有许多人受到影响. As we’ve learned, hurricanes can cause a lot of property damage. For example, in 2022 Hurricane Ian caused $115.2 billion in financial loss, according to the National Centers for Environmental Information.
作为房主，帮助保护你的房子免受风的破坏也可以为你提供可能 insurance discounts. 以下是一些与减少风力及其可能带来的好处有关的重要信息.
What is wind mitigation?
减轻风力意味着在你的财产中安装或拥有有助于在飓风或风暴引起的强风的情况下保护它的功能. Some of those features include:
- 屋顶与墙壁连接，屋顶覆盖物，屋顶甲板附件和屋顶形状
- Secondary water resistance
- Protection of openings (including windows, garages and doors)
Why is wind mitigation important?
The purpose of these features is to not only protect your building, 但也有助于防止或减少在大风和大雨的情况下进入你的家的水量.
In addition, 许多防风功能可能会使你的家更安全，如果大风和飞行碎片发生. By having a sturdier roof that may withstand high winds, as well as having window shutters and hurricane resistant doors, your family should be less exposed to the elements if you decide to stay home and not evacuate before a storm. 始终遵循当地和州官员有关的安全建议 evacuation mandates.
In some states, 房主的pp王者电子官网费可能反映了与某些风险敞口相关的价格, like wind. By having or implementing wind mitigation to your home, you may be entitled to discounts on your premium.
Wind mitigation inspection
这种类型的检查通常由风缓解检查员或其他合格的专业人员完成. 检查的目的是记录你的房子有哪些特征可以增加它承受极端风的可能性.
在检查完您的房子后，检查员将提供一份风缓解报告. 该报告还可能为您提供家居改善的想法，以帮助使您的家更抗风. 你的pp王者电子官网公司会决定你的家庭pp王者电子官网政策上有什么类型的折扣, based on the wind mitigation features your home has.
States that offer wind mitigation discounts
Below is a list of states that offer wind mitigation discounts. Consider talking to a State Farm® insurance agent to learn more about available discounts in your state.
- Alabama
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- New Hampshire
- New Jersey
- North Carolina
- Oklahoma
- Rhode Island
- South Carolina
- Texas
- Virginia
FLORIDA ONLY: Hurricane and wind mitigation information
What factors are considered in establishing my premium?
- Your location房屋离海岸越近，就越容易受到飓风的破坏. 这使得飓风带来的保费高于该州其他地区类似房屋的保费.
- Your policy您的pp王者电子官网单分为两部分:一部分是飓风造成的损失(飓风-风)，另一部分是所有其他损失(所有危险), such as fire.
- Your hurricane deductible: Under the law, you are allowed to choose a $500, 2%, 5% or 10% deductible, depending on your coverage limits. The larger your deductible, the lower your hurricane-wind premium. However, 如果你选择更高的免赔额，你的自付费用在飓风索赔的情况下会更高.
- Improvements to your home: 该州要求pp王者电子官网公司为保护您的房屋免受飓风造成的损害提供折扣. 固定好屋顶，这样它就不会被吹走，保护好窗户，不让碎片飞到你的窗户上，这是你可以采取的两种最经济有效的措施，可以保护你的家，减少你的飓风pp王者电子官网费. 这些折扣只适用于保费中飓风部分.
The costs of the improvement projects vary. Florida homeowners should contact a licensed contractor for an estimate. 您可以通过访问佛罗里达州商业和专业监管部在线网站找到您所在地区的认证承包商 www.myfloridalicense.com.
How can I take advantage of the discounts?
Homeowners will need a qualified inspector such as a general, building, or residential contractor licensed under Section 489.或根据第471条获得许可的专业工程师.015, Florida Statutes, 谁已通过第553条所要求的《pg电子官方网页版》培训计划的适当的等效性测试.佛罗里达州法规第841条，或根据第481条获得许可的专业建筑师.213，佛罗里达法规，或建筑规范检查员根据第468条认证.607、检查房屋，找出可能的缓解措施并核实改善情况. 有关符合这些资格的个人和/或检验公司的名单，请联系您的pp王者电子官网代理人.
The discount available to you may be impacted by year built, building code, roof covering, how your roof is attached, roof-to-wall connection, roof shape, secondary water resistance (SWR), and shutter type.
既然你已经读了关于风的缓解，你可能还想了解更多关于如何 prepare your boat for a hurricane or what to do after a hurricane.
