Some items that warrant credits are Hip roof design, secondary water barrier, hurricane straps on rafters at the wall top plates, approved hurricane shutters or impact windows and wind rated architectural shingles. Homes built since 2007 were built under the Louisiana Uniform Constructions Code and should have some items that receive credits on the wind and hail portion of the homeowners policy.
Single and two family residential properties qualify. Check with your insurance agent. In order to receive insurance credits / discounts a Louisiana Hurricane Loss Mitigation Survey Form (Wind Mitigation Survey) must be completed by a registered wind mitigation surveyor, architect, engineer or code enforcement officer.
Single and two family residential properties qualify. Check with your insurance agent. In order to receive insurance credits / discounts a Louisiana Hurricane Loss Mitigation Survey Form (Wind Mitigation Survey) must be completed by a registered wind mitigation surveyor, architect, engineer or code enforcement officer.
Services
WIND MITIGATION SURVEYORS, LLC (WMS) provides the training and skills to property owners in order to apply for Wind Mitigation Insurance Credits / Discounts. Our surveyors check the property to determine what items are to be used in completing the Louisiana Hurricane Loss Mitigation Survey Form. They will advise homeowners of items that should qualify as well as other possible items that can be installed for additional credits / discounts.
Is this a new program? A. it was created by the Louisiana Department of Insurance (LDOI) to reward home owners with properties that should experience less severe damage claims in high wind events.
In accordance with the provisions of the Administrative Procedure Act, R.S. 49:950 et seq., and through the authority granted under R.S. 22: I et seq., and R.S. 22: 1426, that the Commissioner of Insurance has adopted regulation 94 to implement the provisions of Acts 2007, No. 323 of the Regular4 Session of the Louisiana Legislature, which mandates that insurers provide a premium discount for policyholders who build or retrofit a structure to comply with the State Uniform Construction Code and /or install mitigation improvements or retrofit their property utilizing construction techniques demonstrated to reduce the amount of loss from a windstorm or hurricane.
In accordance with the provisions of the Administrative Procedure Act, R.S. 49:950 et seq., and through the authority granted under R.S. 22: I et seq., and R.S. 22: 1426, that the Commissioner of Insurance has adopted regulation 94 to implement the provisions of Acts 2007, No. 323 of the Regular4 Session of the Louisiana Legislature, which mandates that insurers provide a premium discount for policyholders who build or retrofit a structure to comply with the State Uniform Construction Code and /or install mitigation improvements or retrofit their property utilizing construction techniques demonstrated to reduce the amount of loss from a windstorm or hurricane.
State Farm, one of the largest insurers in Louisiana, offers Wind Mitigation Discounts but requires certain certifications and photos in order to grant the discounts. Advanced preparation of proper documentation prior to the survey can make the process easier and provide the information required by State Farm to receive the maximum discounts.
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