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Can I Get Insurance Discounts for Storm Hardening?

Last updated October 26, 2026

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The short answer

What Counts as Storm Hardening

Storm hardening means making your home more resistant to high winds, heavy rain, and flying debris. Common upgrades include impact-resistant windows, reinforced garage doors, storm shutters, and stronger roof attachments. These measures reduce the chance of damage during a hurricane or severe storm.

In a region with hot rainy summers and an active hurricane season, protecting your home matters. Storms can develop quickly, so even small upgrades like sealing gaps around doors and windows can make a difference in how your home handles wind and water.

  • Impact-resistant windows and doors
  • Storm shutters or impact-resistant glass
  • Reinforced roof decking and straps
  • Upgraded garage door bracing
  • Sealed roof-to-wall connections
  • Properly anchored outdoor structures

How Insurance Credits Work

Insurance companies in hurricane-prone areas often provide credits for storm hardening. The credit amount depends on your insurer, your policy, and the specific upgrades you install. Some insurers require an inspection to verify the improvements, while others accept receipts or permits as proof.

You should ask your insurance company about available credits before you start any project. They can tell you which upgrades qualify and what documentation you need. Keep in mind that credits are not automatic. You usually have to request them and provide evidence of the work completed.

Which Upgrades Offer the Most Savings

Not all storm hardening projects give the same savings. Roof upgrades, such as adding hurricane straps or impact-resistant shingles, often provide larger credits because roof damage is a major source of storm losses. Impact-resistant windows and doors also rank high on insurer lists.

Secondary water barriers, which seal the roof deck to prevent water intrusion, are another upgrade that insurers may reward. Before choosing a project, compare the potential savings to the cost of the upgrade. A local contractor or building official can help you understand what is practical for your home.

  • Hurricane straps or clips for roof-to-wall connections
  • Impact-resistant roof covering
  • Secondary water barrier under the roof
  • Impact-resistant windows and sliding glass doors
  • Reinforced garage door with bracing
  • Storm shutters for all openings

Applying for the Credit

Start by contacting your insurance company to ask about storm hardening credits. They can explain what upgrades qualify and how much you might save. Some insurers have a list of approved materials or installation methods that you must follow.

After you complete an upgrade, keep all receipts, permits, and inspection reports. Send copies to your insurance company and ask them to apply the credit to your policy. If your insurer requires a home inspection, schedule it promptly. You may need to repeat this process for each upgrade you add.

When Upgrades May Not Help

Storm hardening does not always lead to an immediate credit. Some insurers offer credits only for certain types of construction, like masonry or concrete block homes. Others may cap the total savings you can receive, regardless of how many upgrades you install.

Also, if your home is older or has existing damage, you may need to address those issues first. A water damage inspection can reveal weak points that need repair before you invest in new upgrades. Fixing leaks or rotted wood can be just as important for storm readiness as adding shutters.

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Frequently asked questions

What savings can I expect from storm hardening credits?

Savings vary widely by insurer and location. Some homeowners see a 5 to 20 percent reduction on their wind or hurricane premium. The exact amount depends on the upgrades you install, your policy type, and your insurance company's specific rate structure. Ask your insurer for details.

Is a professional inspection required for the credit?

Many insurers require an inspection to verify that upgrades meet their standards. The inspection may be done by a home inspector with proper credentials or a representative from your insurance company. Some insurers accept permits or receipts as proof instead. Check with your insurer to know what they require.

Can I do the work myself and still get a credit?

Some insurers allow DIY installations, but they may require proof that the work meets building codes. Others only offer credits for professionally installed upgrades. Always check with your insurance company before starting a project. If you do it yourself, keep detailed records and photos of the work.

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