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Be Safe. Save Money.

Mitigation matters! When you take steps to protect your property from damage caused by storms, fire, theft and other perils, you may also save money on your property insurance.

Citizens offers several discounts for homes and businesses that have features installed to help protect them from severe storms and other perils (mitigation features). Under state law, documentation is required before any discounts can be applied. Please see the Wind Mitigation Feature Documentation Guidelines for more information and ask your agent whether you might qualify.



Wind Mitigation Discounts

Wind mitigation discounts are available for homes and businesses with documented wind-damage mitigation features, protecting against wind and rain damage present in hurricanes and other severe weather events. To be eligible for these discounts, wind mitigation features must be documented through a wind mitigation inspection.

These discounts:

  • Apply only to the wind portion of your policy premium
  • Are not offered for mobile homes

Wind mitigation discounts are offered for:

  • Opening protection devices. Exaamples include:
    • Shutters to protect windows and doors from windborne debris
    • Special impact-resistant windows and doors
    • Dade and Broward counties only: Properties that are four or more stories and built in 2002 or later are eligible for the Opening Protection Discount when a certain type of shutter is installed.
  • Roof shape
    • Hip roof (sloped on all four sides like a pyramid)

Speak with your agent to see if you qualify or what you need to do to qualify.



Florida Building Code (FBC) Compliance Discount

Available for homes built on or after January 1, 2002.

Homes built before 2002 that have had roofs updated to meet the 2001 Florida Building Code are eligible for the minimum FBC 2001 credit. Speak with your agent to see if you qualify.

Homes built on or after January 1, 2012, are eligible for the minimum FBC 2012 credit. This applies to Citizens Homeowners 3 – Special Form (HO-3) and Citizens Homeowners 8 – Modified Coverage Form (HO-8) policies only, including wind-only. Speak with your agent to see if you qualify.

The discount does not apply to dwelling, rental, mobile home and condo policies.



Opening Protection Discount for Dade and Broward Counties Only

Properties that are four or more stories built in 2002 or later are eligible for Opening Class A credit. Speak with your agent to see if you qualify.



Roof Construction Discounts

If your building qualifies for the FBC Compliance discount, you already receive discounts for roof construction. If not, you may be eligible for roof construction discounts, depending on how your roof is constructed. A roof or wind mitigation inspection may be required to qualify for these discounts. Speak to your agent to see if you qualify or what you need to do to qualify.

  • Roof-deck attachment
    • Roof sheathing attached by 8d nails or screws
    • Dimensional lumber (tongue and groove)
  • Roof covering FBC-equivalent asphalt shingles
    • FBC clay tiles
    • All other FBC-equivalent roof coverings
  • Roof-to-wall connection
    • Clips
    • Single or double wraps
  • Secondary Water Resistance
  • Material (such as a self-adhesive waterproof barrier) is attached to the roof deck to guard against water intrusion.


Centrally Monitored Fire Alarms

These are available for homes and businesses that have a centrally monitored fire alarm, with or without sprinklers.



Centrally Monitored Burglar Alarms

These are available for homes and businesses that have a centrally monitored burglar alarm.

Documentation is required before any discounts are applied, and the cost of any required certification of discount-eligible features is the homeowner’s responsibility. Ask your agent whether your policy may qualify.

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Wind-Damage Mitigation

Wind-damage mitigation features make your home safer and can yield significant savings on your property insurance policy. Examples of common wind mitigation features include:

  • Doors and windows designed to withstand wind pressure and projectiles
  • Storm shutters or panels that protect your windows, doors and other openings from wind, rain and projectiles
  • Roofing materials and coverings that are rated to resist high winds and water intrusion
  • Attachments for walls and roofs that are specially designed to prevent the roof from being blown off by high winds

To qualify for wind mitigation discounts, wind mitigation features must be documented by a wind mitigation inspection.

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