---
title: "Protect Your Home and Save Money"
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summary: "This brochure provides guidance for homeowners to prepare for storm season by reviewing insurance policies, establishing coverage values, and understanding deductibles and discounts. It includes instructions for reporting claims and information about wind mitigation discounts and Florida Building Code compliance credits offered by Citizens Property Insurance."
tags: "home-insurance, storm-season, wind-mitigation, property-protection, florida-insurance, hurricane-deductible, policy-discounts"
key_entities: "Citizens Property Insurance Corporation (organization), National Flood Insurance Program (organization), Florida (location), Miami-Dade (location), Broward (location), wind-mitigation (concept), replacement-value (concept), hurricane-deductible (concept)"
classification: "checklist"
content_hash: "sha256:ee9b213ddadf799e4e1ba3e7a8b9264a08c6f9960c2ae4fe932aa7b33220c106"
acp_version: "0.2"
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status: "final"
---

# Protect Your Home and Save Money

Get Ready for 
Storm Season 
T alk with your agent, and review your insurance 
policy now to: 
• Establish your home’s replacement value (or 
stated value for mobile homes), detached 
structures and personal property. It is 
mandatory for most Citizens policyholders 
with wind coverage to maintain a flood 
policy. Citizens’ policies do not cover flood 
damage. However, flood insurance is 
available through private carriers and the 
National Flood Insurance Program. Contact 
your agent or visit www.floodsmart.gov to 
learn more. 
• Review your annual hurricane deductible, 
which is typically 2-5% of the insured value 
of your home. 
• Check to see whether you have actual cash 
value (ACV) coverage or replacement 
coverage for your personal property. ACV 
coverage pays only the depreciated value 
of your personal property. 
• Verify that your insurance policy information 
is correct. Make sure your mortgage 
company information accurately appears on 
your policy. 
• Make copies of your policy documents and 
store them in a waterproof box or securely 
in the cloud with your other important 
household documentation. 
If your home is damaged: 
• Contact Citizens First 24/7 
○ Online via myPolicy at 
www.citizensfla.com/mypolicy 
○ By phone at 1.866.411.2742 
• Take photos and/or videos of damaged 
property. 
• Make reasonable and necessary emergency 
repairs to protect your property against 
further loss. 
• Keep all receipts and contractor estimates 
to give to your adjuster. 
• Prepare an inventory of damaged personal 
property, showing the quantity, description, 
actual cash value and amount of loss. 
• Have your current mortgage 
information available. 
Protect Your 
Home and 
Save Money 
This brochure is for informational purposes. 
In the event of any inconsistency between this 
brochure and your insurance policy, the terms 
of the insurance policy control. 
La version en Español esta disponible en 
www.citizensfla.com/brochures. 
Vèsyon kreyòl ayisyen an disponib sou Entènèt 
www.citizensfla.com/brochures. 
Citizens Property Insurance Corporation 
866.411.2742 
www.citizensfla.com 10/23 
Need to report a claim? 
Contact Citizens First 
Report it online via myPolicy at 
www.citizensfla.com/mypolicy 
24 hours a day, seven days a week 
866.411.2742 
Scan QR code to 
report online 

Policy Discount 
Citizens offers discounts on policy premiums for 
building construction techniques and features 
that provide greater protection for your home 
or business. 
Policy Discounts 
Citizens offers discounts on policy premiums for 
building construction techniques and features 
that provide greater protection for your home 
or business. 
Wind Mitigation Discounts 
Mitigation features that protect your home or 
business from wind damage caused by major 
storms may be eligible for discounts, which: 
• Apply only to the wind portion of your 
policy premium 
• Are not offered for mobile homes 
Wind mitigation discounts are offered for: 
• Opening protection devices 
○ Shutters to protect windows and doors 
from windborne debris 
○ Special impact-resistant windows 
and doors 
Roof Shape 
• Hip roof (sloped on all four sides 
like a pyramid) 
Florida Building Code (FBC) 
Compliance Discount 
If your home was built on or after January 1, 2002, 
you are entitled to a premium discount. Homes 
built prior to 2002 that have an updated roof 
meeting this building standard may also be 
eligible for this discount. 
Year built on or after January 1, 2012 
(Applies to HO-3 and HO-8 only ): are eligible for 
the minimum FBC 2012 credit by providing 
documentation that validates the year 
of construction. 
Year built 2002 or later (Miami-Dade and 
Broward counties only ): are eligible for the 
minimum FBC 2001 credit. Buildings four stories 
and higher are eligible for Opening Protection 
Class A credit by providing documentation 
that validates the year of construction. 
Contact your agent to find out if you are 
eligible for this discount. 
Most Common Roof Types 
Roof Construction Discounts 
• Roof-deck attachment 
○ Roof sheathing attached by 8d 
nails or screws 
○ Dimensional lumber (tongue 
and groove) 
• Roof covering 
○ All roof coverings meet the minimum 
requirements of the 2001 Florida 
Building Code or the 1994 South 
Florida Building Code (for Miami-Dade 
and Broward) 
○ All other FBC-equivalent roof coverings 
• Roof-to-wall connection 
○ Clips 
○ Single or double wraps 
• Secondary water resistance 
• Material (such as a self-adhesive waterproof 
barrier) attached to the roof deck to guard 
against water intrusion. 
If your home qualifies for the Florida Building 
Code discount, you already receive discounts 
for roof construction. Ask your agent for 
more information. 
Other Discounts 
Certain types of policies also may qualify for 
additional discounts: 
• Fire alarm systems 
○ Centrally monitored systems, with and 
without sprinklers, may be eligible 
for discounts. 
○ Burglar alarm systems may be eligible 
for discounts. 
ƒ Systems must be monitored to be 
eligible for premium discounts. 
• Sprinkler systems 
Documentation is required before any discounts 
are applied, and the cost of any required 
certification of discount-eligible features is the 
homeowner’s responsibility. Contact your agent 
for more information. 
Recommended Resources 
Strengthen Your Home 
The following resources provide more information 
about windstorm construction features: 
• Federal Alliance for Safe Homes (FLASH) 
www.flash.org 
• Insurance Institute for Business & Home 
Safety (IBHS) www.disastersafety.org 
• Florida Department of Financial Services 
(DFS) Plan Prepare Protect 
www.myfloridacfo.com/division/ica/ 
planprepareprotect/mitigation 
Before having a wind mitigation inspection 
performed or mitigation features installed, verify 
that your contractor holds a valid Florida license. 
Visit www.MyFloridaLicense.com and select Verify 
A License. 
Talk to Your Agent 
Your agent is your best source of information 
about your specific policy, coverage, premiums 
and qualifying discounts. If your agent is 
unavailable or you have questions after speaking 
with your agent, call Citizens at 1.866.411.2742. 
Hip Roof 
Gable Roof