What is a Florida Wind Mitigation Inspection?

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Simply put, a wind mitigation inspection will save you money on your homeowner’s insurance policy. Insurers in the State of Florida give premium credits to those homeowners whose houses have existing features that reduce the probability of damage by a severe wind event. The insurance company only learns of these features if the homeowner orders and submits a “Wind Mitigation Inspection”.
Those features include:
1. Existence of a hip roof on at least 90% of the perimeter of the home (very significant savings).
2. Roof to wall connections (clips, straps etc.).
3. Roof deck attachment (proper nailing).
4. Protection of openings.
5. Doors.
6. Secondary water resistance (SWR).
7. Gable end bracing.
8. Roof Covering.
Our experience is that many homes have three or more of the features and qualify for significant discounts. Each item qualifies the home for savings. If your home was built between 1985 and 2001, it is likely that your home will qualify for an annual wind-premium discount exceeding 35% of the wind premium. The one-time inspection fee will be more than offset by annual savings each year. For homes constructed between 1985 and 2001, it is common to experience savings ranging from $150.00 to $500.00 annually. We will gladly discuss the specifics of your home before you commit to the inspection. We will only perform wind mitigation inspections on homes that we feel certain will qualify for the premium discounts.