The windstorm portion of your homeowners policy premium is typically between 15% – 70%. A wind mitigation inspection can drastically reduce those premiums, depending on the construction of your home, and how well it is designed to withstand potential windstorm damage.
The more wind-resistive features your home has, the less likely you are to have a costly windstorm loss. Premium discounts/credits for more wind-resistive construction can be as high as 30%. When applied towards your windstorm premium, wind mitigation credits can greatly reduce your overall policy premium – potentially saving you hundreds of dollars. When you do the math, the credits more than pay for the cost of your inspection.
Homes do not automatically quality for wind mitigation credits, so an inspection can go a long way towards saving you money! Also, an inspection is generally good for up to 5 years; requirements may vary from carrier to carrier.
What is a Wind Mitigation Inspection and Where Can I Get One?
A wind mitigation inspection should be performed by a State of Florida Licensed Building Contractor, Certified Architect, or State of Florida Licensed Home Inspector. The following building features are what an inspector/contractor is looking at and takes into consideration when conducting the inspection:
Shingles or other roof coverings: Do they meet Florida Building Code requirements?
Roof decking: Has this been installed with larger nails/screws with closer spacing?
Are hurricane clips and/or straps in place that secure the roof structure to the supporting walls?
What type of protection is in place for windows and glass doors – full or partial?
Is there impact-resistant glazing or other protection methods applied?
Do all of your homes openings have protection, including the front doors and attic vents?
Is your garage door wind rated?
Does a secondary water resistance barrier exist that prevents the roof from leaking if the shingles are blown off in a windstorm?
Answering yes to any of these question can contribute to helping lower your insurance costs – it’s not an all or none, pass or fail scenario. The more areas of wind intrusion that have been addressed, the more likely you are to save money on the wind portion of your insurance policy.
Coastal Inspection Pros will perform the inspection and provide the required form and photographic documentation to you and your agent. You should always keep your original inspection documents on file with your policy documents for future reference.