Every dollar figure on a finished insurance page has to be sourced and dated. Draft pages keep their open checks visible on preview builds.

  • FORTIFIED Roof, Silver, and Gold

    Draft

    What the IBHS FORTIFIED Home designations actually require at each level, how the evaluation works, what it costs to add during a build or a re-roof, and which states require or offer insurance discounts for it, with every discount claim dated and sourced.

  • Florida wind-mitigation credits

    The inspection and the features insurers file credits for. Credit amounts are not stated.

  • State mitigation grant programs

    Grant programs by state. Funding status is not stated. It changes, and it has to be checked.

  • Wildfire Prepared Home

    The IBHS designation, in outline. Which insurers recognize it is not stated.

  • California wildfire discounts

    What California asks insurers to credit. Current rules are not stated.

  • Flood insurance and elevation

    Elevation, flood insurance, and building above a flood elevation. Rating factors are not stated.

  • Construction class

    How insurers class a building. No system is promised a lower premium.

  • Opening protection credits

    How protected openings are described to an insurer. Credit amounts are not stated.

  • High-risk markets

    Why a policy is non-renewed, and what a writable house still has to document. Pool rules are not stated.

  • Insurance as a carrying cost

    Premium beside maintenance and energy. No 20-year figure is published.

  • Document your build

    Inspections, photos, and certificates worth keeping for an insurer. The checklist is not written.

  • Florida wind-mitigation inspections

    Draft · Florida

    How a Florida wind mitigation inspection works, the nine questions on the revised Form OIR-B1-1802 (Rev. 04/26), what the April 1, 2026 revision changed, how to get every credit you have earned, and the equivalent inspections in other states.

  • My Safe Florida Home

    Draft · Florida

    A plain-English guide to the My Safe Florida Home program in 2026: the free wind mitigation inspection, grant eligibility and income rules, the four covered improvements, the priority queue, the steps that get people disqualified, and the equivalent grants in other states.

  • The underinsurance gap

    Draft

    Why most disaster victims discover they are underinsured, what replacement cost, actual cash value, depreciation holdbacks, ordinance-or-law coverage and additional living expenses actually do, and the consumer-side moves that close the gap.