Homeowners Eligibility

Well-built homes – particularly those that are significantly larger than average – have proven to be much less vulnerable to storm damage than the typical residence.

By only offering coverage to owners of large, well-built and well-protected homes, PURE can control the cost of risk for its members. To be eligible for homeowners coverage with windstorm your home must meet all of the following construction guidelines:

• The cost to rebuild your home must be $1 million or greater (see PDF guidelines below for the exceptions);
• Your home must have at least 3,000 square feet of living area (for some older homes, there may be stricter requirements);
• Typically if you live along the coastline, all the external windows and doors of your home must be protected with shutters, or similar protections that meet the current building code for your area;
• Depending on the year built of your home there may be construction or roofing requirements.

In some cases, prospective members are required to submit (at their expense) a summary inspection report confirming compliance with these guidelines. For more detailed information about our guidelines click the link to download the file below.