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A Broten Garage Door Inc. employee installs a hurricane resistance garage door panel on a home west of Boca Raton. (Staff photo/Nicholas R. Von Staden South Florida)
To qualify for insurance discounts, it's critical that improvements meet the most recent state and county building codes and requirements specified on the Office of Insurance Regulation's inspection form to verify discounts. Some consumers have reported not qualifying for discounts because the inspection form is unclear, and regulators are working to revise it. Homeowners with questions should provide detailed information in writing about the proposed upgrade to their agent and insurance company and request a written response about whether it qualifies. Consumers with questions also can call the Department of Financial Services' insurance consumer helpline at 877-693-5236. With those caveats, most local inspectors and insurance agents listed five upgrades.
July 21, 2011