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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 be saving money on your property insurance too.

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. Ask your agent whether you might qualify.

Wind Mitigation Discounts

Available for homes and businesses that have documented wind-damage mitigation features, which protect against wind and rain damage present in hurricanes and other severe wind storms. To be eligible for these discounts, wind mitigation features must be documented through a wind mitigation inspection.

Florida Building Code Compliance Discount

Available for homes built on or after January 1, 2002. Homes built before 2002 that have had roofs updated to meet the 2002 Florida Building Code also may be eligible.

Roof Construction Discounts

If your building qualifies for the Florida Building Code 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. To qualify for these discounts, a roof or wind mitigation inspection may be required.

Centrally Monitored Fire Alarms

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

Centrally Monitored Burglar Alarms

Available for homes and businesses that have a centrally monitored burglar alarm.

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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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