Wind Insurance Discussions at Town Hall Meetings

We’re holding town hall meetings throughout Baldwin County to discuss changes in state regulations for wind insurance and ways homeowners can reduce their premium rates.  The first one is Tuesday, Feb. 11 in Bay Minette during the North Baldwin Chamber of Commerce quarterly breakfast, from 7:30-9 a.m. at the Bay Minette Civic Center.

Coastal Alabama Partnership is sponsoring these Town Hall meetings along with Leadership Baldwin County, local chambers of commerce and Smart Home America.

The Institute for Business and Home Safety (IBHS) outlines six simple steps that you can follow to strengthen your homes against wind damage. As a result, you also benefit from reduced insurance premium rates.

1. Apply online for a FORTIFIED evaluation

2. Schedule an evaluation.

3. Have FORTIFIED evaluation performed.

4. Receive and review the customized report.

5. Take action to retrofit existing homes or build new home following FORTIFIED plan.

6. Get designated.

Complete instructions are available online at:

Alabama state law mandates insurance discounts on wind premiums for homes built or retrofitted to the FORTIFIED standards.  At a minimum, homeowners average about $300 a year in savings and can reduce their wind insurance rates as much as $2,000 per year with the higher levels of FORTIFIED.

Other town hall meetings are scheduled from 6-7:30 p.m. for the following dates: March 13 at Foley Civic Center; March 25, Loxley Civic Center; April 22, Baldwin County EMC Training Facility, Orange Beach; and May 1, Daphne High School’s Trojan Hall.

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