First, any decision regarding opening protection should not be made based on discounts alone, it should be made on the best options for protecting your home. In-swing doors are not recommended if they are exposed to weather with no protection from wind driven rain. If the door is well protected from wind driven rain (under a porch), an in-swing door is fine. Either should be impact rated regardless of you location, this provides you the best protection.
The garage door whether glazed or non-glazed should also be replaced with an impact resistant model. The garage door is a weak opening and you want it protected 24-7/365 from windstorms. Even minor tornadoes and thunderstorm straight line winds can damage garage doors, add a little flying debris from surrounding structures or trees and even the newer windload doors can fail. An impact resistant garage door is a very good idea and is only about 100-200 more than a windload door, it is a great investment in protecting your home, your personal possessions, and making sure you have a place to live following an event.
The mitigation credits are there to incentivize you to take action to protect your home, they are not meant to pay for improvements. Unfortunately most Florida residents and many inspectors are under the mis perception that mitigation credits are a right. They are an earned benefit resulting from hardening your home against potential damage. You can’t put a price on having a home to live in following an event. And, you can’t rebuild your businesses and community if you are displaced and have to relocate out of the area. Andrew, Katrina, the 2004 Hurricane season, and now Sandy serve as reminders of how coastal areas have made poor decisions in where and how to build. The billions spent by FEMA and insurers only cover loss of infrastructure and property damage. The loss of tax revenue due to loss of businesses and homes has a far greater and longer impact on community survival an sustainability.
So protecting your home is based on the need to provide a safe place for your family and personal possessions as your main goal. Beyond that valuable benefit, the deductibles that range from 2-30% mean any reduction in damage pays the owner first. In addition, homes that are safer and stronger retain the investment of these improvements for many years and have a higher value to buyers who are aware of the issues with insurance costs. So decisions should be made based on all of the benefits, not just eligibility for insurance credits.
[FONT=Calibri]Darius H Grimes CRC, CSI-CDT, CWMI[/FONT]
[FONT=Times New Roman]FORTIFIED FEHTM Evaluator[/FONT]
[FONT=Calibri]Disaster-Smart Consulting Inc[/FONT]
[FONT=Calibri]888 WMIT PRO [/FONT]
[FONT=Calibri]Cell (850) 748-0565[/FONT]