How should mitigation be documented so underwriters actually rate the home differently (photos, third‑party certs like IBHS)?
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To get home insurance discounts for upgrades, show proof that they’re legit and done well. This means having clear photos, inspection reports, official papers, product info, and permits, so the insurance company can check things out and lower your risk rating.
Use clear photos and trusted proof—like IBHS or similar third-party certificates so underwriters see real risk-reducing upgrades and adjust your rate.