Louisiana Wind Mitigation Survey for Home Insurance Discounts

Document the wind features that may help lower your Louisiana home insurance premiums. See Frequently Asked Questions and About Us for more about the survey.

About the Wind Mitigation Survey

Effective January 1, 2009, the Louisiana Department of Insurance (LDI) mandated wind mitigation insurance credits and discounts based on certain characteristics of a new or old home. Items that may warrant credits include hip roof design, secondary water barrier, hurricane straps on rafters at the wall top plates, approved hurricane shutters or impact windows, braced gables, and wind rated architectural shingles.

Homes built since 2007 were built under the Louisiana Uniform Construction Code and should have some items that receive credits on the wind and hail portion of the homeowners policy. Single and two family residential properties qualify. Condominiums, mobile homes, and commercial properties are not eligible. Check with your insurance agent.

To receive credits or discounts, a Louisiana Hurricane Loss Mitigation Survey Form (Wind Mitigation Survey) must be completed by a registered wind mitigation surveyor, architect, engineer, or code enforcement officer. Those individuals must be registered with the Louisiana State Uniform Construction Code Council (LUCCC).

Wind Mitigation Surveyors, LLC (WMS) was created to focus on providing knowledgeable professionals who help homeowners get the proper credits and discounts on their homeowners insurance. USAA, Chubb, and Pure policyholders get very good discounts. Check with your insurance agent to see if their insurer follows the LDI Wind Mitigation Credit policy.

To get your inspection scheduled, or if you have any questions about the Wind Mitigation Survey, please contact Trisha (Office Manager) at 504-439-2860.

When workloads are heavy, we collaborate with Southern Wind Mitigation, LLC to help get your inspection performed with little wait time.