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Sugar Land Texas Home Insurance Reduction-Certificate

If you live in Sugar Land and your Insurance company is asking you to get your Home Inspected for a Home Insurance premium reduction, here is help on who to contact and what they need.

Repost from Sugar Land Texas City Website:


Specifications for Qualifying for a Premium Reduction

Must meet the following guidelines:

  1. Exterior doors must be solid core doors that are 1 3/8" thick and must be secured by dead-bolt locks
  2. Deadbolt locks must lock with a minimum bolt throw of one inch that penetrates a metal strike plate
  3. If the door secured by the dead-bolt lock has breakable glass within 40 inches of the lock, the lock must be key-operated from both sides unless prohibited by life safety codes*
    1. *The City of Sugar Land life safety code recommends against double-key deadbolt locks
  4. Metal doors must be secured by dead-bolt locks as described.
  5. Double doors (French doors) must meet the specifications for exterior doors as listed above, must have the inactive door secured by header and threshold bolts that penetrate metal strike plates, and in case of glass located within 40 inches of header and threshold bolts, must have the bolts flush mounted in the edge of the door
  6. Sliding glass doors must be secured by secondary locking devices to prevent lifting and prying
  7. Dutch doors must have concealed flush-bolt locking devices to interlock upper and lower halves and are secured by a dead-bolt lock as described above.
  8. Garage doors must be equipped with key operated locking devices (garage door opener applies)
  9. Windows must be secured by auxiliary locking devices. An auxiliary locking device required by this section must include screws, wooden dowels, pinning devices, and key operated locks. In areas in which life safety codes permit, metal bars or grating, if mounted to prevent easy removal, may be substituted for auxiliary locking devices; however, an alarm system which monitors the opening of each individual window covers this requirement (motion detectors alone are not adequate)