Hurricane Insurance Discounts and Hurricane Clip Retrofits
Most hurricane insurance companies offer substantial annual discounts in hurricane insurance premiums as an incentive for you to strengthen your house. The discounts* are available for:
1) Roof-to-wall connection (hurricane clips) (typically 10 percent off)
2) Wall-to-foundation connections (typically 10-12 percent off) (All houses on slab foundations qualify for this provided the car port and lanai free standing posts are connected with plates to the concrete)
3) Deployable storm panels/ window coverings (15-18 percent off for single-family houses and 18 percent off for condos)
Check with us as to the availability of the discounts and the specific requirements needed to obtain them. Each company is a little different.
Conceivably, if all three strengthening measures are performed, as much as 40 percent could be saved on your hurricane insurance premiums annually.
HPS provides Certificates of Completion of Retrofit for your hurricane insurer, and will also communicate with them by phone and email too. This is a no extra charge service to our customers including necessary photos and contractor certifications.
*Annual discounts from hurricane insurers of $125 to $400 every year are available from every hurricane insurer in Hawaii, except State Farm, which claims their rates are lower than all others. However, we highly recommend you check the fine print in your hurricane insurance policies. Call us to discuss what kind of discounts are provided by your specific insurer. Because we have been involved in hurricane protection/ insurance policy and legislation in Hawaii for over 20 years, we have a good understanding of the kinds of discounts available, and are happy to help you figure out your best options.
Insurance agents and other contractors click here for more information on collaborating with HPS.
1) Roof-to-wall connection (hurricane clips) (typically 10 percent off)
2) Wall-to-foundation connections (typically 10-12 percent off) (All houses on slab foundations qualify for this provided the car port and lanai free standing posts are connected with plates to the concrete)
3) Deployable storm panels/ window coverings (15-18 percent off for single-family houses and 18 percent off for condos)
Check with us as to the availability of the discounts and the specific requirements needed to obtain them. Each company is a little different.
Conceivably, if all three strengthening measures are performed, as much as 40 percent could be saved on your hurricane insurance premiums annually.
HPS provides Certificates of Completion of Retrofit for your hurricane insurer, and will also communicate with them by phone and email too. This is a no extra charge service to our customers including necessary photos and contractor certifications.
*Annual discounts from hurricane insurers of $125 to $400 every year are available from every hurricane insurer in Hawaii, except State Farm, which claims their rates are lower than all others. However, we highly recommend you check the fine print in your hurricane insurance policies. Call us to discuss what kind of discounts are provided by your specific insurer. Because we have been involved in hurricane protection/ insurance policy and legislation in Hawaii for over 20 years, we have a good understanding of the kinds of discounts available, and are happy to help you figure out your best options.
Insurance agents and other contractors click here for more information on collaborating with HPS.
