Invest 92-L forms in Atlantic Ocean, NHC says

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THE HURRICANES LAST YEAR. WAS THE INSURANCE PROCESS AFTERWARDS? SOME FOUND THEIR COVERAGE WASN’T ENOUGH TO MAKE SURE YOU DON’T GET SURPRISED. THIS IS THE TIME TO REFRESH YOURSELF ON WHAT YOUR HOMEOWNER’S POLICY COVERS AND TO SCORE SOME DISCOUNTS ON THOSE RATES. YOU MIGHT WANT TO CONSIDER SOME HOME IMPROVEMENTS. 7 TO 10 SHOWS US THE BIGGEST UPDATES THAT YOU CAN MAKE AND HOW YOU MIGHT EVEN BE ABLE TO GET THE STATE TO COVER SOME OF THE COST. THE ONE INSPECTION THAT WILL ACTUALLY SAVE YOU MONEY, THAT WILL YOU SEE YOUR MORTGAGE PAYMENT DROP IS THE WIND MITIGATION. THAT’S THE INSPECTION THAT HAPPENS WHEN YOU CLOSE ON YOUR HOUSE. IT TELLS THE INSURANCE COMPANY DETAIL ABOUT YOUR HOUSE AND HOW IT MIGHT STAND UP TO SEVERE WEATHER. IF IT’S BEEN A WHILE SINCE YOU LAST HAD ONE, YOU MAY WANT TO CONSIDER HAVING A LICENSE INSPECTOR, DO ANOTHER ONE. ALBERTO CRUZ IS THE OWNER OF GOPRO HOME INSPECTIONS. HE SHOWED US WHAT THE INSURANCE COMPANIES CONSIDER WHEN OFFERING POSSIBLE DISCOUNTS. LET’S START WITH YOUR WINDOWS. SO BY UPDATING THESE WINDOWS TO DOUBLE PANE, HIGH EFFICIENCY STORM PROOF WINDOWS, THE INSURANCE COMPANY WILL GIVE YOU CREDIT FOR CHANGING THAT ON THE WIND MITIGATION FORM. UP NEXT, YOUR GARAGE DOOR. IF IT’S A HURRICANE RATED DOOR, YOU’RE GOING TO HAVE SIX BRACKETS OR MORE. OKAY. IF IT HAS LESS THAN SIX BRACKETS, THAT IS NOT CONSIDERED HURRICANE RATED. AND WHEN YOU’RE WHEN YOU SAY BRACKETS, WHAT ARE WE LOOKING AT? THESE SUPPORTS RIGHT HERE GOING ACROSS? OKAY. SO THIS ONE’S GOT ONE, TWO, THREE. THAT’S IT. SO THEY WOULD HAVE TO ADD THREE MORE. YEP. WE HAVE REPORTED EXTENSIVELY ABOUT YOUR ROOF’S AGE BEING A BIG FACTOR WITH YOUR HOME INSURANCE COST, BUT HOW IT’S ATTACHED TO YOUR HOUSE CAN SAVE YOU MONEY. IT’S TOENAILS UPGRADE TO CLIPS. AND IF IT’S CLIPS, UPGRADE TO ROOF TO TO HURRICANE STRAPS. AND HOW DO YOU KNOW THAT? BECAUSE I DON’T KNOW THAT ABOUT MY HOUSE. LIKE, WHAT’S WHAT AND WHAT’S THE DIFFERENCE BETWEEN THESE. BUT THE WAY YOU WOULD KNOW AS YOU WOULD GOING THROUGH YOUR ATTIC AND WHERE YOUR ROOF AND WALL MEET. WE’LL SEE IF THERE’S A BRACKET, IF THERE’S A METAL STRAP THAT GOES OVER THE THE TRUSS INTO THE WALL, IF NOT A METAL CLIP THAT ATTACHED THE WALL TO THE ROOF. OF COURSE, YOU’LL WANT TO LEAVE THAT UP TO THE PROS. YOU’LL NEED A CERTIFIED INSPECTORS REPORT TO GET THOSE INSURANCE DISCOUNTS. NOT ONLY COULD HOME IMPROVEMENT HELP YOU SAVE MONEY ON YOUR INSURANCE PREMIUM, BUT YOU COULD GET MONEY FROM THE STATE TO MAKE THOSE CHANGES UNDER THE MY SAFE FLORIDA HOME PROGRAM, YOU CAN APPLY FOR A FREE INSPECTION. THEY WILL DETAIL ANY NECESSARY IMPROVEMENTS AND IF YOU MAKE THE ONES THEY RECOMMEND, YOU CAN THEN APPLY FOR A GRANT FROM THE STATE THAT WILL COVER TWO THIRD