Hurricane Season 2014 was among the quietest on record. The US has not been impacted by a major hurricane in over 9 years. This is the longest period of time without a hurricane since the 1800’s. Those who have put off protecting their home or business with hurricane shutters have played the odds very well. How much longer will this bet pay off?
The lack of activity makes it very easy to become complacent. It is also easy to forget the impacts of a major hurricane and the benefits of having a product like Hurricane Fabric. The residents and property owners in Cabo San Lucas had just such an impact with Hurricane Odile. This storm was the most intense to hit the Cabo Peninsula since record keeping began. Odile should serve as a reminder that preparation is always important. Those that were equipped and had properly installed hurricane shutters, suffered little damage. Whether you install hurricane panels, hurricane fabric or hurricane screens, you are doing your best to be prepared. Since Odile, insurance providers in Mexico are now looking to require some sort of hurricane panel or storm protection. The Astroguard hurricane Fabric and Astroflex hurricane screen will be approved for these programs.
In the US, many hurricane prone states have incentives for mitigating loss. Florida, for example, mandates that all wind insurance providers give rate incentives or discounts for homes with hurricane fabric. No matter where you live, contact your insurance carrier and ask about a discount for hurricane shutters. If your provider does not offer a discount or offers a small discount, shop your policy with other companies to see who has the best incentives. The average in Florida is about 20%.
States that do not have mandated insurance cost reductions may have other options. One such option is to look for an insurance carrier that subscribes to the IBHS (Institute for Business and Home Safety) “Fortified” program. This program has different levels of certification that enable increasing amounts of savings for mitigation. From impact protection to roofing improvements, the savings could be significant. Hurricane Fabric, hurricane screens and hurricane panels are all certified for these programs.
When considering Hurricane Protection, remember that it is more than just reducing your insurance cost. Protecting your home or business is also a way of protecting your building and its’ contents. There are certain things that insurance cannot replace, not the least of which is your safety and peace of mind.
Make the call or email today.