Wind Mitigation and Your Insurance Carrier
By involving your insurance carrier and agent with your plans to reroof your home, you might be preventing several headaches and costly mistakes. Even though some of the products you may want to use might will have a Florida product approval, your insurance carrier might not provide coverage if they are included. Sometimes several roof products are only approved by the insurance policy if they have a Dade County NOA (Notice of Acceptance). An example of this would be skylights. Your insurance agent can provide the necessary information about all the products they don't want you to use before you waste any money and lose your insurance coverage.
Involving your insurance agent in this way can only serve to assure that costly mistakes are not made at the start of your project. He can also inform you of the roof systems that will save you money on policy premiums if you were to choose those systems over other roofing systems and types. Do not let the cost of the roof be your sole guide in deciding your choice. Inform yourself of the necessary products and methods that will play a role in the deciding of your choice for a roof.