What Does a Wind Mitigation Credit Mean on My Florida Policy?
Use the free tool — RenewalDecoder
What a Wind Mitigation Credit Is
A wind mitigation credit is a discount that can appear on a Florida homeowners renewal. It is usually connected to your roof and to the wind-related clauses in your policy. If you see the word "credit" or "discount" near the word "wind" on your declarations page, this is likely it.
Where to Look on Your Renewal
Check your declarations page for a line about wind mitigation, credit, or discount. Then look at the nearby wind, flood, and roof clauses. These sections explain how your policy treats storm and roof damage.
- Look for the word "credit" or "discount" next to "wind."
- Look for separate wind, flood, and roof sections on the same page.
- Compare this renewal to your last one if you have it.
What This Guide Cannot Tell You
We do not have your specific policy numbers, percentages, or the Florida statute number for this credit in front of us. Every renewal is different. This page cannot tell you the dollar amount of your credit, whether you qualify, or whether it changed from last year. That depends on your own document.
Questions to Ask Your Agent
- Does my policy show a wind mitigation credit, and how much is it?
- What roof or wind features does this credit depend on?
- What do the wind, flood, and roof clauses on my renewal actually cover?
- What is not covered under these clauses?
- Did this credit change since my last renewal, and why?
Not Insurance Advice
This guide is not insurance advice. It does not replace a conversation with your agent or a licensed professional. Confirm every detail with your agent or the Florida agency that handles your policy.
What to Do Next
RenewalDecoder is a free tool that reads your own renewal declarations page. Paste it in to see what changed, what your wind, flood, and roof clauses mean for your home, what is not covered, and the questions to bring to your agent. It is Florida-specific and it is not insurance advice.