A Wind Mitigation Inspection Conducted By:
John Decker Home Inspectors & Remodeling Consulting Services Can Dramatically Reduce Your Insurance Policy Premiums!
According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners "discounts, credits, or other rate differentials..." for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims.
Facts about Wind Mitigation Inspections:
Windstorm Insurance rates are reduced substantially with a Wind Mitigation Wind Inspection. A wind mitigation inspection verifies construction methods that create wind mitigation discounts based on those methods providing greater protection from wind hurricane damage. The inspection usually takes less than an hour and the savings is usually in the form of a check direct from your insurance company within 3-6 weeks.
All of the following structure types qualify for Wind Mitigation Inspections:
Single Family Homes
Multi-Family Buildings
Commercial Buildings
Condominiums
Townhomes
Discounts usually occur when dwelling structures have elements that
minimize damage from High Wind Events like Tropical Storms and
Hurricanes.
They include:
Actual Roof Shape
Reinforced Roof Decking
Roof Shingle Attachment Method
Shutter Protection Over Your Windows
Hurricane Straps and/or Hurricane Clips
Full or Partial Impact Resistant Glazing on Windows
Other Wind Resilient Construction Techniques...
Wind Mitigation Discounts
Wind Mitigation discounts are applied towards the windstorm portion of your total insurance premium. Depending on where you are located in Florida, the windstorm portion is between 15% and 70% of the total premium. Premium determination is very complex and actual dollar discounts are not calculated here. For exact quotes, you must contact your insurance agent or the individual insurance company in question. The three main factors for wind mitigation discounts include:
The number of wind resistive construction features present on your condo or home - The more wind resistive features you have, the higher the total discount will be for your property. The discounts can be as high as 30% or more of the wind portion of the insurance premium.
The Following Items are Building Features that Reduce Wind Damage.
Shingles or other roof coverings that meet the Florida Building Code requirements
Roof decking that has been installed with larger nails or screws with closer spacing
Hurricane clips and/or straps that secure the roof structure to the supporting walls
Full or partial protection of windows and glass doors with impact resistant glazing or other protection methods.
Secondary water resistance barrier that prevents the roof from leaking if the shingles are blown off in a windstorm.
I Am A Florida Home Inspector, Who Lives & Works In Citrus County.
Call Or E-Mail Me For A "Free Quote" On Your Next Home Inspection.
John Decker Home Inspections & Remodeling Consultation Services
John Decker
352.228.9376
3802 South Swan Terrace
Homosassa, Florida 34448