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Wind Mitigation Inspection:
The purpose of a wind mitigation inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane. A homeowner with windstorm insurance can often submit the results of this report to their insurer and obtain discounts on their windstorm insurance premium.
Wind mitigation inspections look for construction features that have been shown to reduce damage during hurricanes. The factors found during the inspection that help determine a home's stability are; the age of the home, the age of the roof covering with documentation to prove that the roof was installed following building codes, the method of attachment of the roof to truss/rafters, the roof to wall attachment, the shape of the roof, the presence of a secondary water resistance barrier, and the opening protection rating of the home such as shutters.
Typically, wind mitigation inspection can be performed within an hour and can help you save money on your insurance premiums for the next 5 years.
The wind mitigation inspection is not an inspection of the overall structure of the home and does not determine the condition of your home. If you are interested in knowing the condition of the home, we suggest also having a full residential inspection completed in addition to your wind mitigation.
How Much Money Can You Save with a Wind Mitigation Inspection?
As with most things insurance-related, there’s no way to know for sure. That depends on where you live and your home’s features. Savings can range from none to a few hundred dollars to over $1,000. Wind mitigation savings are most substantial in Florida because the state requires insurers to offer these discounts. The cost of a wind mitigation inspection is $150, which is usually more than offset by the insurance savings. It is extremely rare for no credits to be earned. Without a wind mitigation inspection, your insurer assumes that your home has the least wind-resistant features available. Notifying them that you have at least a few will require them to offer a discount.
How Long Is a Wind Mitigation Inspection Valid for?
Wind mitigation inspections in Florida are valid for five years. When you think about it, you pay for the inspection upfront, but you save money on your home insurance premium every year for five years provided that no material changes have been made to the structure.
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