Wind coverage
Is Windstorm Insurance Required in Florida? Mortgage and Coastal Rules Explained
Florida law doesn't require windstorm insurance, but most mortgage lenders do. Learn which coastal rules apply and how to stay covered without overpaying.
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Plain-English answers on wind mitigation, insurance credits, and inspections — written to help Florida homeowners stop leaving money unclaimed.
Latest guides
Citizens insurance
Citizens Wind-Only Insurance in Florida: Eligibility, Coverage and Limits
Citizens wind-only insurance helps coastal homeowners secure windstorm coverage when private insurers won't. Here's who qualifies, what it covers, and how discounts apply.
FORTIFIED discounts
FORTIFIED Home Insurance Discounts in Florida: What the 2026 Form Changes Mean
Learn how IBHS FORTIFIED certification can earn insurance discounts beyond standard wind mitigation credits and what changed on Florida's 2026 form.
Storm insurance
Hurricane vs Flood Insurance in Florida: Which Policy Pays for What?
Hurricane insurance covers wind while flood insurance covers water. Understand how both policies work together—and where costly coverage gaps can appear.
Premium savings
How to Lower Your Florida Home Insurance Premium in 2026 — Everything That Actually Works
Six proven levers, ranked by what they cost versus what they return — from a $150 inspection that can pay back thousands to the grant that funds the upgrades for you.
Fortification score
What Is a Hurricane Fortification Score — and Why Every Florida Homeowner Needs to Know Theirs
A fortification score tells you exactly how resilient your home is against hurricane damage across five key dimensions — and what each upgrade is worth in insurance savings.
The form
New OIR-B1-1802 Form April 2026: What It Means for Homeowners and Why You Need to Pay Attention
Florida quietly updated its wind mitigation inspection form. If you have an existing report, it's still valid — but some homeowners could be leaving money on the table.
Insurance credits
Florida Wind Mitigation Credits Explained: How Much Can You Save?
Florida law requires insurers to give you credits for hurricane-resistant features. Here's exactly how each credit works, what it's worth, and how to make sure you're getting all of them.
Inspections
Wind Mitigation Inspection Florida: 15 Questions Homeowners Ask
Everything you need to know about wind mitigation inspections — what they are, what they cost, how much you can save, and what happens after. Answered plainly.
Discounts
Wind Mitigation Discount Florida: Your Complete Guide to Saving on Home Insurance
Not all wind mitigation discounts are created equal. This guide breaks down every discount available to Florida homeowners, who qualifies, and the fastest path to a lower bill.
Upgrades
Hurricane Hardening Upgrades Ranked: Which Home Improvements Lower Your Premium Most?
From roof shape to garage doors, not every upgrade earns the same credit. We rank the most common hurricane hardening improvements by the premium savings they actually deliver.
Grants
My Safe Florida Home Grant 2026: How to Get $10,000 to Harden Your Home
Florida's My Safe Florida Home program offers matching grants up to $10,000 for hurricane-resistant upgrades — which then lower your premium every year after. Here's how Pinellas County homeowners claim every dollar.
The form
New OIR-B1-1802 Form April 2026: What Changed and How It Affects Your Credits
Florida's wind mitigation inspection form was revised in April 2026. Here's exactly what changed, whether your existing report is still valid, and what the update means for your insurance credits.
Insurance
Windstorm Insurance in Florida: What Coastal Homeowners Need to Know
Here's how windstorm coverage actually works, what it costs, and how to make sure you're not paying more than you should.
Insurance
Wind Damage Insurance in Florida: What Homeowners Policies Actually Cover
Here's what Florida's insurance system covers, what it quietly excludes, and how to make sure you're not getting less than you paid for.
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