Maybe you all can answer this for me. I’m currently battling a 300% increase in my insurance with citizens. I’d appreciate if you could give me any insight.
Citizens sent their inspector out to verify the wind credits I was receiving. He found some discrepancies which really raised my insurance premium. The first was Wall Construction Type, and the second was Gable End Bracing. My wall construction type was above the 33% threshold for (%33.5) wood framing. In addition my Gable ends were not braced.
All this leads me to my question. The most recent Wind Mitigation report was released on February 1st 2012. There were many changes to this form, but the ones that work in my favor are the removal of Wall Construction Type and Gabel end bracing. Do you know why they have removed these requirements from the form?
I read somewhere they have removed these items because insurance companies were not basing rates on these inspections. My agent told me citizens requires less then 33% wood or they dont give you a certain credit.
I appreciate any insight.