了解风力缓解及其好处

Hurricane season usually lasts from June to November, and every year many people are affected. 正如我们所知，飓风会造成大量财产损失. 例如，在2022年飓风伊恩 caused $115.20亿美元的经济损失根据美国国家环境信息中心的数据.

As a homeowner, helping protect your house against wind damage may also provide you with possible pp王者电子官网折扣. Here is some important information related to wind mitigation and possible benefits of it.

什么是风力缓解?

Wind mitigation means installing or having features in your property that help protect it in the case of high winds caused by a hurricane or a storm. 这些功能包括:

• Roof to wall connections, roof covering, roof deck attachment and roof shape
• 二次防水
• 保护开口(包括窗户、车库和门)

为什么减少风力很重要?

这些功能的目的不仅仅是保护你的建筑, but also help prevent or reduce the amount of water getting into your home in the case of very high winds and heavy rain.

In addition, many of the wind mitigation features may make your home safer should high winds and flying debris occur. 通过更坚固的屋顶来抵御强风, 还有百叶窗和抗飓风的门, 你的家人应该少暴露在这样的环境中，如果 你决定呆在家里 不要在暴风雨来临前撤离. Always follow the safety recommendations from your local and state officials related to evacuation mandates.

In some states, homeowners’ insurance premiums may reflect the price related to the exposure to certain perils, like wind. 通过在家中安装或实施风力缓解措施, 你方可能有权享受pp王者电子官网费的折扣.

降风检查

This type of inspection is usually done by a wind mitigation inspector or another qualified professional. The purpose of the inspection is to document the features your home has that would increase the likelihood it could withstand extreme wind.

After inspecting your house, the inspector will provide a wind mitigation report. The report may also provide you with home improvement ideas to help make your home more wind resistant. Your insurance company will determine what type of discounts may be available on your home insurance policy, 根据你家的防风功能.

提供风力缓解折扣的州

以下是提供风力缓解折扣的州列表. 考虑和一个 State Farm®pp王者电子官网代理 以了解更多有关您所在州的可用折扣.

• Alabama
• Connecticut
• Delaware
• 哥伦比亚特区
• Florida
• Georgia
• Louisiana
• Maine
• Maryland
• Massachusetts
• Mississippi
• New Hampshire
• New Jersey
• North Carolina
• Oklahoma
• Rhode Island
• South Carolina
• Texas
• Virginia

仅佛罗里达:飓风和风力缓解信息

在确定我的保费时考虑了哪些因素?

• Your location: The closer a home is to the coast, the more vulnerable it is to damage caused by hurricane winds. This makes the hurricane-wind premium higher than for similar homes in other areas of the state.
• Your policy: Your insurance policy is divided into two premiums: one for damage caused by hurricane force winds (hurricane-wind) and one for all other damage (all perils), such as fire.
• 您的飓风免赔额: Under the law, 你可以选择500美元, 2%, 5%或10%免赔额, 这取决于你的pp王者电子官网范围. 你的免赔额越大，你的飓风保费就越低. However, if you select a higher deductible your out-of-pocket expenses in the event of a hurricane claim will be higher.
• Improvements to your home: The state requires insurance companies to offer discounts for protecting your home against damage caused by hurricane winds. Securing your roof so it doesn’t blow off and protecting your windows from flying debris are the two most cost-effective measures you can take to safeguard your home and reduce your hurricane-wind premium. These discounts apply only to the hurricane-wind portion of your premium.

改进项目的成本各不相同. Florida homeowners should contact a licensed contractor for an estimate. You can find a Certified Contractor in your area by visiting the Florida Department of Business and Professional Regulation online at www.myfloridalicense.com. 

我怎样才能利用折扣呢?

房主需要一名合格的检查员，比如将军, building, 或根据第489条获发牌照的住宅承建商.111, Florida Statutes, or a professional engineer licensed under Section 471.015, Florida Statutes, who has passed the appropriate equivalency test of the Building Code training program as required by Section 553.841, Florida Statutes, or a professional architect licensed under Section 481.213, Florida Statutes, or a building code inspector certified under Section 468.607, to inspect the home to identify potential mitigation measures and verify improvements. For a listing of individuals and/or inspection companies meeting these qualifications contact your insurance agent.

您可获得的折扣可能会受到建造年份的影响, building code, roof covering, 你的屋顶是怎么连接的, roof-to-wall连接, roof shape, 二次水阻力, and shutter type.

Now that you have read about wind mitigation, you may also want to learn more about how to 让你的船做好应对飓风的准备 or 飓风过后该怎么办.