There are quite a few ways to save money on your Florida home insurance premium in South West Florida. Some are quite affordable. They may intel adding hurricane roof strapping's on your rafters. The newer ones with the heavy gage. It wouldn't hurt to double up the rafters with 2" x 6" in case you have only 2"x4" and make sure that these horizontal ceiling beams which stiffens one rafter to the other are strongly bolted or nailed in a way that makes a classical triangle. You cannot beat the strength of 3 nails or screws in a triangle unless you bolt both pieces.

Roof ridge vents should be screwed not nailed.

Stiffen up all exterior deck, balusters and pool cages.  Stringers should be bolted to the posts. Deck beams should also be bolted to the posts. Posts should have a true concrete footing or solar tube with  concrete inground. Garage doors should also be checked for strength.

  Of course newer stronger hurricane windows and doors will help a lot, but if all this is to expensive you may just buy manual aluminum hurricane shutters. The accordion type for example.Quite affordable.

Check your roof.  Then you are ready for a Florida wind inspection.It cost around $85-$110. That may save you from $300 to over $1000 on your premium per year. The inspector will look mostly at the strength of your windows,doors and roof. It figures.

I didn't say that this blog was going to be hysterical but all this will save you money and will give you a peace of mind. Then you will smile.

Any other way to save money on your home insurance? I would be glad to hear them.

LLoyd Nichols
Right Choice Realty LLC
cell: 239-810-2980
office: 239-463-5217
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