Hurricane Loss Mitigation
Carriers are required to offer discounts for improvements that make a home more storm-resistant — qualifying roof coverings, roof-to-wall connections, opening protection, and more.
Back to Our Process
Risk-Adjusted Outcomes
Your risk-mitigation work should lower your premium
Every hardening measure, protective device, and documented upgrade is a reason for carriers to charge you less. The problem is that those efforts only reduce your premium when an insurer can clearly see and verify them. Exigent makes that documentation effortless.
Check for Premium Discounts
The credits Florida homeowners can earn
Each carrier sets its own guidelines, and several discounts are required by Florida law. These are the variables that move your premium — the characteristics carriers reward when they can verify them.
Roof Age & Roof Deductible
Newer roofs and elected roof deductibles can earn credits. Documenting age, condition, and covering type is what unlocks them.
Construction & Openings
Shutters, impact-rated glazing, secondary water resistance, and reinforced connections each carry measurable premium value when verified.
Protective Devices
Security alarms, fire alarms, and monitoring systems are common credits — but only when they are properly evidenced on your application.
Policy & Payment Credits
Bundling, loyalty, claims-free history, gated-community status, and paid-in-full payment can all reduce your premium.
Home Improvements
Upgrades to electrical, plumbing, and other core systems may qualify — documentation is the difference between a credit and a missed opportunity.
Required by Florida Law
The premium adjustment carriers must provide
In Florida, insurance carriers are required to provide premium adjustments for hurricane loss mitigation, disclosed through form OIR-B1-1655 — the Notice of Premium Discounts for Hurricane Loss Mitigation. It describes the actions you can take to reduce your windstorm premium and the credits those actions unlock.
Exigent streamlines this documentation process, and our executive team personally guides you through it — so that every eligible credit is captured and you receive the most reduced premium possible.
Form OIR-B1-1655
Notice of Premium Discounts for Hurricane Loss Mitigation
- Issued by the insurer at policy issuance and each renewal
- Describes actions that reduce your windstorm premium
- Backed by the Uniform Mitigation Verification Inspection
- Exigent assembles and verifies the supporting documentation
The Exigent Advantage
We make your mitigation efforts impossible to overlook
We streamline the documentation of these variables so that each insurer in our network views the same complete picture of your risk-mitigation efforts — and rewards them with reduced premiums.
We capture your mitigation profile
Our team organizes your wind-mitigation inspection, roof documentation, and protective-device records into a clean, carrier-ready package — anchored by the OIR-B1-1655 disclosures Florida carriers must honor.
Every carrier sees the same complete picture
Instead of one agent submitting a thin file, Exigent presents your fully-documented risk-mitigation efforts to each insurer in our network at once.
Carriers price in the credits you earned
When the mitigation is verified and visible, carriers apply the discounts they are required to give — and compete to reflect them in the lowest premium possible.
Documented risk mitigationthe most reduced premium possible
Get credit for every mitigation dollar you've spent
Register and let our executive team guide you through the documentation process so your network of carriers can reward your risk-mitigation efforts with the lowest premium possible.
Start Your Registration