Protect what’s Priceless

Insurance may help put the structure back together, but there is so much
more that makes a house a home and a family part of a community.

Retrofitting you home to FORTIFIED standards not only reduces your
insurance costs, it reduces potential out-of-pocket costs associated with
your windstorm deductible.

 

 

Learn More about FORTIFIED

 

Without FORTIFIED | With FORTIFIED

The Leader in Coastal Risk Solutions

Our full suite of risk mitigation services will ensure your family’s well-being, protect your home
and increase your peace of mind.

FORTIFIED Home™ Evaluation

Whether you are building a new home, buying an existing home a FORTIFIED Home Bronze Silver or Gold designation could save you thousands or tens of thousands during the time you own your home. Is your home a FORTIFIED Home?

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Wind Mitigation Discounts

Our full suite of risk mitigation devices will ensure your family’s well-being, protect your home and increase your peace of mind to Disaster Smart is a unique approach to evaluating risks and applying nationally recognized mitigation programs to strengthen homes against disasters.

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Roof Inspections

A roof Condition Inspection may be required by your insurance company to document the age, condition, and useful remaining life. Learn more about roof systems.

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Four Point Inspections

A Four-Point Insurance inspection is typically performed to obtain, or  renew, an insurance policy on structures older than 25 years.  The Four Point is a documentation of the age and types of products in use including the Roof, Electrical, Plumbing, and HVAC systems.

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What Our Customers Say

Featured Articles
Thanks.  Everyone at Disaster-Smart who had a part in providing this certificate are to be commended for the manner in which they conducted their business.  It was a pleasure working with each one involved.
I do want to say something. It has been such a pleasure working with your company. From the initial call, through the inspection, and all of the follow up work you are doing, your company has been great. I will highly recommend you to anybody that I might hear of that needs any type of inspection that you do. Thank you from the bottom of my heart for all the help you guys have been. I have a phone call today with my insurance company about protection for the two doors listed on the report and I have a salesman ...
Mark E. Creighton CEO - Pensacola, FL
"For the record, Darius was great with my client and clearly has a high level of expertise and knowledge. It's just a shame that his company wasn't sent to do the job in the first place as it would have saved both organizations time and money. I sincerely hope that Darius company is called upon with any or our future risks whenever possible.”
VP Underwriting New York, NY
“Thanks Darius!!! We are going to discuss the information you sent over yesterday and about the possibility of creating a form with inspection process with you guys to substantiate giving the 2006 IRC credit in AL and MS.”
E&S VP Mitigation and Underwriting Ft Lauderdale, FL
“Darius, this is an example of the poor quality of the Wind Mit forms we receive form other iInspection Companies. I need to contact these guys to find out why they could only complete a portion of the form but it is really getting ridiculous out there. This was meant to help the home owner and encourage the Insurance companies to give credits where due. It really complicates the issue when anyone with a contractor’s license begins to pencil whip the OIR Mitigation forms. The spirit of the program is great but the increase in anyone and everyone signing these ...
Surplus Lines Underwriter for FL, AL, and MS Chicago, IL
“Darius, Great to hear from you! Our focus is on accounts where the primary risk is outside a CAT prone area but they have a secondary here in FL, AL, and MS. I will absolutely put your name on our preferred vendor list and use your firm to conduct the inspections in the listed fields of expertise.”
VP Underwriting Ft Laudersale, FL
“I am very impressed with the promptness, completeness and professionalism of your service. You have exceeded my expectations! Thanks again”
- Consumer Stuart San Diego, CA
“I spoke with the underwriter on this and she said only 11 pages were received. That is why she asked for the diagram as it was not scanned by the agent’s office or a transmission problem. Anyway we have the information from your report. I informed her that your reports are excellent and check with the agent to make sure all documents are scanned.”
VP Underwriting Sarasota, FL
"Thanks again and i look forward to speaking with you again soon. your assistance on the technical questions we’ve received has been so appreciated. so far, there hasn’t been an issue yet that you could not assist us with, given your experience and expertise in this field."
FL Office of Insurance Regulation Tallahassee FL
in 2008 Darius Grimes was one of less than a dozen Floridians recognized for his continued volunteerism and dedication to the Disaster Safety Movement: “Darius Grimes is a proven champion and key player in the disaster safety movement,” said Chapman-Henderson. “He provides technical expertise to consumers, teaches classes for professionals, and is a key player in the development of sound public policy. His successful efforts to reach out to experts across different industries and create consensus is helping our efforts to make America a more disaster resistant nation.”
Leslie Chapman-Henderson CEO FLASH Tallahassee, FL

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