Wind Mitigation Inspection

A wind mitigation inspection Also known as “windstorm inspections” is an examination of a home’s existing safety features that make it more secure and less likely to be damaged during storms. During a wind mitigation inspection, a licensed general contractor, architect, engineer examines the house to determine its ability (or lack of ability) to withstand heavy winds. This quick process can help you prepare for hurricane season as well as provide substantial discounts on your home insurance premiums.

If you’ve owned a home in Central Florida for more than a few years, your insurance agent might have suggested that you should get a wind mitigation inspection or asked to see a wind mitigation inspection form.

Hurricane season lasts from June 1st to November 30th but even one storm could carry enough wind to damage your home. If your home is hit and you have not done a wind mitigation inspection for years, you could be dealing with a lot of property damage that could have been avoided, if only you knew what to repair.

For home insurance companies, there is measurably less risk involved in insuring homes that have taken more precautions, so they offer hefty discounts for those who can report their wind mitigation.

Florida law states that property insurance companies must give discounts on homeowners premiums when they have received a certified wind mitigation inspection report and your discount will be based on the risk rating your home receives during the inspection. If you have recently replaced your roof, the new roof is up to the most recent code and will most likely qualify for additional credits.

To receive these credits or discounts, your wind mitigation inspection report must be less than five years old, even if your home’s characteristics have not changed. Check with your insurance agent if you are unsure of whether your wind mitigation report is about to expire.

The inspector can also give you advice for items that either need to be brought up to code or other wind mitigation features you can install to increase your discount next time. When it comes to protecting your home against damage, ignorance is not bliss.

The great news is that your premium will never go up because of an inspection, it can only go down. There is no risk in getting a wind mitigation inspection: you either get a hefty insurance discount or you have valuable knowledge for protecting your home against the next hurricane.

Even though a wind mitigation inspection in Florida is optional, there is no reason not to get one.

When it comes to dealing with storms, your home should be one of the safest locations for you and your family. Living in Florida means that you never know when the next big thunderstorm or hurricane will hit.

Take the appropriate steps to protect your home and save money along the way.

If you are interested in finding out how much money you could save on your home insurance policy or want to see where your house could use some wind reinforcement, contact us to set up your inspection today.

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