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Hurricane Premium Discounts & Mitigation Options



Multiple Choice

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 1. 

Which facets of the My Safe Florida Home program are still in operation?
a.
matching grants for hurricane mitigation efforts
b.
free inspections of existing homes for hurricane mitigation
c.
certification of mitigation inspectors and mitigation contractors
d.
all of the above
 

 2. 

Uniform Mitigation Verification forms completed by an approved inspector are valid for a period of:
a.
3 years
b.
4 years
c.
5 years
d.
10 years
 

 3. 

If a home is damaged during a hurricane, what form of damage results in the greatest dollar amount in subsequent insurance claims?
a.
Wind damage due to opening failures
b.
Wind damage due to gable end wall failures
c.
Wind damage due to roof failure
d.
Damage due to water intrusion
 

 4. 

The Florida Building Code applies to:
a.
statewide
b.
only those local jurisdictions that have adopted it
c.
the state's wind-borne debris region
d.
all local jurisdictions other than Broward and Miami-Dade counties
 

 5. 

All residential property insurers in Florida must discount their premiums if homeowners install hurricane mitigation improvements.  Those discounts or premium credits apply to:
a.
only properties located in the wind-borne debris region
b.
the policy's entire premium
c.
only the windstorm portion of the policy's premium
d.
none of the above
 

 6. 

All residential construction in Florida valued over $50,000 must include plans to:
a.
strengthen roof decking connections
b.
protect openings such as windows and garage doors
c.
install a secondary water barrier
d.
brace gable-end walls
 

 7. 

All windstorm insurers must notify their policyholders, in writing, of:
a.
the insured property’s rating under the Uniform Home Grading Scale (UHGS)
b.
whether the insured property is located in the wind-borne debris region
c.
the company's participation in the "Blueprint for Safety" program
d.
any applicable premium discounts or credits available for hurricane mitigation retrofits
 

 8. 

Which of the following measures were prompted as a response to Hurricane Andrew:
a.
building code reforms
b.
Florida Hurricane Catastrophe Fund
c.
Citizen's Property Insurance Company
d.
all of the above
 

 9. 

Which of the following mitigation efforts is the easiest to implement?
a.
bracing gable-end walls
b.
strengthening roof decking connections
c.
installing a secondary water barrier
d.
stregthening a home's roof to wall connections
 

 10. 

A homeowner wishes to reduce the cost of her windstorm insurance premium.  What alternatives are available to her?
a.
retrofit her home to meet the Florida Building Code
b.
seek out coverage from a different windstorm insurer
c.
increase the policy's deductible
d.
all of the above could reduce her premium cost
 



 
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