Hurricane Mitigation Discounts 

Discounts on your home insurance premium are available for features that protect your home from wind damage caused by major storms. Southern Oak’s system intuitively applies some of these discounts based on the year built, but it’s always a good idea to discuss ALL potential discounts your home may qualify for with your agent. These discounts: 

• Apply only to the Wind portion of your policy premium
• Are not offered for mobile homes

Your agent can help review your policy and property details to advise on how to qualify for additional discounts Southern Oak’s system may not automatically include based on year built. 

If your home was built on or after January 1, 2002, you automatically receive a premium discount as your home was built under Florida Building Code (FBC) standards.  Additional wind mitigation discounts are offered for: 

• Opening protection devices
  • Shutters to protect windows and doors from windborne debris
  • Special impact-resistant windows and doors
• Roof shape
  • Hip roof (sloped on all four sides like a pyramid) 

If your home was built before January 1, 2002, premium discounts are available for homes that have updated roofs or other wind mitigation features installed. 

• Opening protection devices
  • Shutters to protect windows and doors from windborne debris
  • Special impact-resistant windows and doors
• Roof shape
  • Hip roof (sloped on all four sides like a pyramid)
• Roof coverings that are Florida Building Code-equivalent
  • Asphalt shingles
  • Clay or Concrete tiles
  • All other Florida Building Code-equivalent roof coverings
• Roof-deck attachment
  • Roof sheathing attached by 8d nails or screws
  • Dimensional lumber (tongue and groove)
• Roof-to-wall connection
  • Clips
  • Single or double wraps
• Secondary Water Resistance

Click here to obtain a copy of the Uniform Mitigation Verification Inspection Form that can be used to obtain wind mitigation credits.

Click here learn more about Hurricane Loss Mitigation features that may provide a premium discount.  

Hurricane Mitigation Forms

The Florida Office of Insurance Regulation has created a standardized form for the purpose of verifying mitigation features of a structure.   Click here to obtain a copy of the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) that can be used to obtain wind mitigation credits.

Every new business and renewal contains a Premium Discounts for Hurricane Loss Mitigation (OIR-B1-1655) document that provides the potential savings. Click here to view sample with estimated discount percentages.

Roof Discounts 

Has your roof been recently replaced?  Please make sure your policy has the correct roof year listed as you may be eligible for additional discounts.  

Looking for ways to save money?  Consider adding Southern Oak’s Roof Replacement Schedule endorsement that adjusts roof coverage and rates based on the roof age and material. Ask your agent for more details.

Home Alert Discounts 

Your agent can help review your policy and property details to advise on how to qualify for additional discounts. 

• Burglar alarm systems: systems that protect you and your home including smart home monitoring systems such as Ring, Arlo, Simplisafe as well as centrally monitored systems can receive a discount.
• Fire alarm systems: systems that protect your home from fire loss, with and without sprinklers, may be eligible for discounts.
• Water Leak Detectors: Southern Oak offers three types of Water Leak Detection discounts.
  • Level 1 Discount for a sensor-based water leak detection system that notifies customers via mobile device/internet connection when a leak is detected.
  • Level 2 Discount for a sensor-based water leak detection system that automatically shuts off the main water supply to the home when a leak is detected.
  • Level 3 Discount for a water leak detection system that assesses the flow of water through the plumbing and automatically shuts off the main water supply to the home when a leak is detected.   

Documentation is required before any discounts are applied, and the cost of any required certification of discount-eligible features is the homeowner’s responsibility. Ask your agent whether your policy may qualify.

Other Discounts 

Your agent can help review your policy and property details to advise on how to qualify for additional discounts. 

• Electronic Policy: Opt to receive your policy documents and communications form Southern Oak electronically rather than by paper mail and receive a discount – it’s really that easy!

• Senior/Retiree: Are you 60+ years old or 55+ and retired? Make sure your agent adds the Senior/Retiree discount.

• Secured Community: From passkeys to patrolmen, these measures can go far to mitigate the severity of both man-made and natural disasters. Check to see if you qualify for either option below:

• A single entry into sub-division (HO-3) or
• Community that is protected by 24-hour security patrol (HO3/HO6)
• 24 hour-manned gates on all entrances or passkey gates on all entrances

• Accredited Builder: Was your home just built?  Ask your agent to see if your home qualifies for our accredited builder discount.  To qualify as an accredited builder, the builder must meet the following requirements:

• Builder must have a least 12 new home starts per year
• Builder must be a member of a Home Builder Association
• Builder must provide Quality Control Inspections in written form
• Builder must provide a Home Warranty, and
• Builder must adhere to more stringent construction specifications than required by code

Documentation is required before any discounts are applied, and the cost of any required certification of discount-eligible features is the homeowner’s responsibility. Ask your agent whether your policy may qualify.