Don’t assume your insurance company is giving you every discount.  It is very likely they are not. 

Most homes built and permitted after march of 2002 typically receive many assumed discounts and credits from the insurance company because these homes were built to a higher standard of codes.  The one discount that is typically not assumed are the discounts for your homes opening protection.  This may include items such as hurricane shutters, roll-down shutters, impact rated screens, impact rated garage door or impact rated windows just to name a few.

The inspection for the opening protection is designed to identify the rating of all envelope openings to the home in hopes of retrieving additional potential discounts for every home owner with the properly rated opening protection.  Before this inspection is ordered, it is important to understand that every opening needs to be protected with a qualifying impact rated product.  The credits are only given based on the weakest form of protection.  This includes glass block, skylights, garage doors, garage door windows and side transom lights just to name a few.

Just make sure you know that you are getting every discount that you deserve.  Ask your agent today if you are getting credit for you hurricane shutters.