What Are the Discounts for Windstorm Mitigation, Protective Device, and Construction Type?

Openly offers a Windstorm Mitigation discount in specific states for properties where fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented. If the discount is offered, it will appear on the Property Review tab at the bottom of the page and is a yes or no question. The discount applies to the portion of the premium attributable to wind, tornado, and hurricane.

To receive a discount, Agents will need to submit either:

  • A Mitigation Verification Affidavit and provide certified copies (can be completed by the insured) of the applicable receipt
  • A Mitigation Verification Certification completed by a licensed building contractor, registered architect, engineer, or building code official

Based on the Windstorm Mitigation type and protective device selected, Openly may require both the builder's certification and Affidavit form.

Upon selecting YES to Wind Mitigation in the portal, the following questions will need to be answered:

  • Are Protected Devices in place?

Engineered: Permanently installed storm shutters, including Aluminum or Steel Storm Panels, Accordion, Roll Down, Colonial / Bahama / Awning or “Clam Shell,” meeting International Building Code (IBC) requirements or other recognized national or local building code equivalents. A licensed contractor must install them. Garage doors must be hurricane-resistant or retrofitted with bracing to prevent deflection and withstand wind-borne debris.

Impact Resistant Glass: Is hurricane-resistant and meets International Building Code (IBC) requirements or other recognized national or local building code equivalents. A licensed contractor must install it. Garage doors must be hurricane-resistant or retrofitted with bracing to prevent deflection and withstand wind-borne debris.

Non-Engineered: Plywood Shutters, other, or None

  • Construction Type?

IRC06: Constructed in accordance with the 2006 International Residential Code, as amended, including all hurricane mitigation construction requirements

IBHSL: Constructed in accordance with the Fortified For Safe Living Standards (FFSLS) as adopted by the Institute for Business and Home Safety

IBHSG: Gold by the Institute of Business and Home Safety's (IBHS) FORTIFIED Home™ program

IBHSS: Silver by the Institute of Business and Home Safety's (IBHS) FORTIFIED Home™ program

IBHSB: Bronze by the Institute of Business and Home Safety's (IBHS) FORTIFIED Home™ program

RFSTD: South Carolina Safe Home Grant Program

RFSTD: Roof Retrofit (Applies in MS)

None: Not certified as one of the above.

Our Customer Experience Team cannot assist in these types of inquiries; please contact uwdocs@openly.com for all questions and requests pertaining to this discount. 

Was this article helpful?
0 out of 0 found this helpful