If you’re from the area you have probably heard of lowering your insurance rates through a windstorm mitigation inspection. However, if you are new to the area or if you’re just looking for more information on how this can benefit you… Let us help! Here are the basics of what a windstorm mitigation inspection entails and how it can help you save on your insurance premiums.
What is a windstorm mitigation inspection?
Windstorm mitigation is a home inspection common in coastal areas of the US. The inspection specifically targets the structural and non-structural aspects that prevent or lessen damage caused by high winds that occur with storms.
What structures can qualify for wind mitigation inspection?
- Single Family Homes
- Multi Family Buildings
- Commercial Buildings
What elements of your home are evaluated during this inspection?
- Actual Roof Shape
- Reinforced Roof Decking
- Roof Shingle Attachment Method
- Hurricane Straps and/or Hurricane Clips
- Water Barriers
- Gable Ends
- Roof to Wall Attachment
- Shutter Protection Covering Your Windows***
- Full or Partial Impact Resistant Glazing on Windows***
***Adding hurricane shutters or impact glass to your home can decrease your insurance premiums anywhere from 6%-44% depending on what year your home was built and what type of window coverings you choose.
How does this actually impact your insurance rates?
A windstorm mitigation inspection in Florida has premium discounts for certain wind mitigation features that are mandated by state law and can total 45% of the original policy’s premium.
For more information visit http://www.floridadisaster.org/ to learn more and calculate your potential savings!
*Insurance rates vary by company and location of your home. Contact your insurance agent for more information on how wind mitigation could benefit you