I just found out recently....If you call your insurance company ...yes you have to call!! Have them come out and make sure your Hurricane straps are up to code....Most are if your home was built no later than 1999....they will lower your insurance premium by at least 300 bucks! My agent came out and took a few photos in the attic....and just like that lowered my premium....They told me about it when I call to complain that my rates were to high!! WHO KNEW!! Guess its ok to complain in some instances!! Good luck!