LAC 37:XIII.12713. Mitigation Improvements and Construction Considered for Actuarially Justified Discounts

A. In determining actuarially justified discounts, an insurer shall consider the following mitigation improvements and/or construction techniques that have been demonstrated to reduce the amount of loss from windstorm or hurricane: 1. building design code; 2. roof bracing; 3. secondary water barriers; 4. opening protection; 5. roof to wall strength; 6. roof deck attachment; 7. roof covering and roof covering performance; 8. wall-to-floor-to-foundation strength; 9. window, door, and skylight strength; and 10. other mitigation improvements and/or construction techniques that the insurer has determined can reduce the risk of loss due to wind. B. Discounts displayed in the insurer's rate and rule manual should reflect the interdependence of mitigation improvements and/or construction techniques required by the insurer to qualify for an actuarially justified discount.