Tuesday, August 22nd, 2006 — The state’s new hurricane mitigation program offers grants of up to $5,000 to fortify a home and requires insurers to offer discounts as incentives for the fixes. The law leaves it up to insurers to decide the size of the discount. State officials said they don’t know how much the companies are offering. David and Sandra Farkas figured a $9,500 investment in storm shutters would pay off at least a little in reduced insurance costs. Last Thursday, they found out exactly how little: 3 percent, or $63 a year. David and Sandra Farkas said fear, not an insurance break, was the main reason they ordered shutters. But they said insurers need to be more clear about discounts.