Save Money While Protecting Your Palm Beach Florida Home

Homeowners insurance costs in Florida especially in Palm Beach County have continued to climb in 2025. The good news? Many homeowners may already qualify for insurance discounts they’re not claiming.

At SeaBreeze Roofing, we don’t just install roofs we help you protect your home and lower your costs. Below, we break down the 7 biggest insurance discounts every Palm Beach homeowner should know this year, plus links and resources to help you verify and apply for them.

1. Wind Mitigation & Hurricane Hardening Credits

Wind mitigation is one of the most valuable discount categories available in Florida. These credits reward you for strengthening your home against high winds and hurricanes.

What Qualifies

According to the Florida Office of Insurance Regulation (OIR), insurers must offer discounts for documented features such as:

  • Roof-to-wall connections (hurricane clips or straps)
  • Roof deck attachment types
  • Secondary water resistance
  • Impact-rated or shuttered openings

A certified inspector must complete the OIR-B1-1802 Wind Mitigation Inspection Form (PDF) to verify these features.

SeaBreeze Roofing Advantage

When SeaBreeze Roofing installs or replaces your roof, we ensure it meets hurricane-ready standards — including proper strapping, decking, and waterproof barriers. We also coordinate with your inspector to ensure all documentation supports your insurance discount submission.

2. Florida Building Code Compliance Discounts

Homes that meet the Florida Building Code (FBC) are stronger and safer, which is why insurance companies offer discounts for code compliance.

Homes built after January 1, 2002 usually qualify automatically. Older homes can still benefit through retrofits — especially if a new roof is installed using modern wind-resistant materials.

Learn more about the new Florida Building Code System in effect starting in 2023 and its impact on insurance discounts.

SeaBreeze Roofing uses FBC-approved installation methods and products engineered to exceed local wind-load standards, helping you meet these eligibility requirements.

3. Home Security, Fire, and Safety Device Credits

Insurers reward homes that reduce overall risk. Installing security and monitoring systems can qualify for credits under most policies.

Common Eligible Devices

  • Monitored burglar alarms and smoke detectors
  • Smart home security systems (e.g., Ring, ADT, Vivint)
  • Water leak detection and shutoff sensors
  • Fire sprinkler systems and central-monitored alarms

According to the Insurance Information Institute (III), many insurers provide discounts for homes with approved safety systems.

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4. Adjusting Deductibles to Balance Premiums

A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Increasing it can significantly reduce your premium.

Florida policies often separate “All Other Perils” and “Hurricane” deductibles — usually 2% to 10% of your dwelling coverage.

For more details, review the Florida Department of Financial Services Guide to Homeowners Insurance.

SeaBreeze Roofing can help you estimate your roof’s replacement cost so you can make informed deductible decisions with your licensed insurance agent.

5. Multi-Policy Bundling (Home + Auto + Umbrella)

Bundling policies under one insurer can yield 5–25% savings, according to NerdWallet’s Homeowners Insurance Discount Guide.

Bundling simplifies claims, enhances loyalty discounts, and often improves service consistency. However, it’s always smart to compare stand-alone quotes with bundled offers.

If SeaBreeze Roofing refers clients to trusted insurance agents, we encourage homeowners to ask for side-by-side quote comparisons before making changes.

6. Claims-Free & Loyalty Discounts

Insurers reward long-term policyholders who remain claims-free for several years.

For example, three to five consecutive claim-free years can qualify for rate reductions. Some insurers even offer “loss-free renewal discounts” or cap rate increases for loyal customers.

By maintaining your roof with SeaBreeze Roofing, you reduce the risk of future damage — helping preserve your claims-free status and keep premiums low.

7. Flood Insurance & CRS Community Discounts

Standard homeowners insurance does not cover flood damage. If you carry a flood policy through the National Flood Insurance Program (NFIP), you could qualify for community discounts under FEMA’s Community Rating System (CRS).

Palm Beach County participates in CRS, which can yield 5%–45% off flood premiums depending on your flood zone and community class.

You can verify your flood zone through the Palm Beach County Flood Zone Maps.

SeaBreeze Roofing can help improve drainage and roof elevation systems to support flood mitigation and potentially qualify for better flood ratings.

Bonus Tips to Maximize Discounts in 2025

  • Request reinspections after any upgrades (roof, windows, shutters)
  • Keep documentation of all upgrades and permits
  • Work with local experts who understand Palm Beach County codes
  • Apply for state grants like the My Safe Florida Home Program, which offers free inspections and potential grants for upgrades

Don’t leave money on the table. If your roof is due for replacement or inspection, make sure it’s built the right way for South Florida weather conditions so you qualify for every available insurance discount.

Contact SeaBreeze Roofing, the leading roofing company in Palm Beach County, for your free roof inspection today.

Disclaimer

SeaBreeze Roofing is not an insurance agency or licensed insurance professional. The information provided is for educational purposes only and should not be considered financial or legal advice. Always consult with a qualified insurance expert or licensed agent before making any coverage or deductible decisions.