Louisiana Wind Mitigation Guide-1

Stop Overpaying on YLouisiana HomeowneHow a certified Wind Mitigation Survey unlocks massive verifying your home's hurricane resilience. Up to 65% Potential Reduction on Louisiana Wind & Hail Premium Portion $1,200+Average Annual Premiu Southeast LA HomeowYour ers Insurance ve annual savings by + um Savings for wners ~$300 One-Time Survey Cost with Immediate ROI in Year 1Strengthening Your Home, ShrinkWhy Insurers Offer Big Discounts: Louisiana state law mandates th because they prevent catastrophic roof collapse and water intrusio0 1 30-Min On-Site Inspection A licensed third-party inspector documents 12 structural construction points including roof geometry, nail spacing, and hurricane ties. State Certified SWe generate the officia Loss Mitigation Form c verification and engineking Your Premium hat admitted carriers offer rate credits for wind-resilient features on during severe tropical storms. 0 2 Survey Report al Louisiana Hurricane complete with photo eering attestation. 0 3 Mandated Discount Credit Your agent submits the survey to your insurance carrier. Actuarially justified credits are applied directly to your policy at renewal or midterm.The 12 Critical Inspection Points ChBuilding Code Compliance Permit verification showing roof built to 2000 La. code. Roof Deck Attachment Fastener type, length, and 6-inch nail spacing pattern. Secondary Water Barrier Self-adhering tape or bitumen underlayment deck sealing. Opening Protection Impact-rated windows, storm shutters, and door ratings. Exterior Entry Doors Design pressure ratings and heavy-duty deadbolt latching. Garage Door Protection Wind-rated impact garage doors or interior bracing bars. hecked Roof-to-Wall Connection Toe-nails, hurricane clips, single, or double wraps. Roof Geometry & Shape Hip roof shapes qualify for the highest premium discounts. Wall Construction Reinforced masonry, wood frame, or concrete tie-downs. Gable End Bracing Structural attic framing reinforcement against high wind. Roof Covering Age Shingle or metal roof age, condition, and wind rating. Attic Ventilation Vents Baffle-protected, water-resistant soffit and ridge vents.Major Carriers Offering Wind DiscUSAA Chubb Farm Bureau LA Citizens Allstate SageSure / Pure counts in LA Louisiana Mandated Right Under Louisiana Department of Insurance regulations, all admitted residential insurers must provide actuarially justified credits for verified storm mitigation. Discounts apply directly to the Wind & Hail slice of policy Credits remain active permanently as long as features exist Mid-term policy endorsement or renewal credit options ✓ ✓ ✓Wind Mitigation Survey vs. FORTIFFeature Wind Mitigation Survey Scope Evaluates entire home (roof shape, straps, openi foundation) Duration Permanent / Ongoing annual savings Upfront Cost Low investment $300 Discount Stacking Accepted by almost all Louisiana carriers Best For Existing homes looking for immediate premium re