FloridaGal
New Member
- 2
We are shopping for a new homeowners policy in Florida. I received several quotes all in the same ballpark with the exception of one that was significantly lower. The agent for the lowest quote asked me to forward a wind mitigation report to him to see if we qualify for further discounts. I knew we wouldn't - we have impact windows, but not on every opening, and no impact doors on our 1975 home - but I forwarded it anyway.
He responded by saying that, based on that information, the policy premium would now be TWICE as expensive.
I was under the impression that the wind mitigation survey could only help you (via potential discounts) not hurt you. If I had known the quote would increase, I would've just said that we had not paid for an inspection.
I tried searching online for the law regarding this, but I just find info on potential discounts.
Was I misinformed? Can our premium go up after a wind inspection?
Thank you for any help or advice!
He responded by saying that, based on that information, the policy premium would now be TWICE as expensive.
I was under the impression that the wind mitigation survey could only help you (via potential discounts) not hurt you. If I had known the quote would increase, I would've just said that we had not paid for an inspection.
I tried searching online for the law regarding this, but I just find info on potential discounts.
Was I misinformed? Can our premium go up after a wind inspection?
Thank you for any help or advice!