Wind Mitigation Inspections In Tallahassee, FL

Wind Mitigation Inspections In Tallahassee, FL

HOW DOES A WIND MITIGATION INSPECTION HELP MY HOMEOWNERS INSURANCE RATE?

Some homeowners choose to have a Wind Mitigation Inspection completed when they purchase homes in coastal states. These inspections help reduce their home insurance rate. Most of us have heard about Wind Mitigation Insurance. But what is it exactly?
Wind Mitigation Inspections is an assessment of a home’s (or commercial property’s) ability to withstand wind and how resistant the building is to damage or loss. This inspection is not typically required by insurance companies- even in hurricane-prone states like Florida. It is optional.
…but it will save you money!

WHY DO SOME INSURANCE COMPANYS GIVE DISCOUNTS FOR WIND MITIGATION INSPECTIONS?

Insurance companies can go bankrupt if a hurricane or storm does enough major damage. In the wake of Katrina, Ivan, and Sandy, many companies crumbled, which left homeowners with hefty bills and debts. To prevent this, insurance companies will provide discounts to homeowners who get their homes inspected by a qualified inspector.

HOW MUCH OF A DISCOUNT WILL A WIND MITIGATION INSPECTION GET ME?...IS IT WORTH IT?

It depends. After the inspection, the inspector will recommend any repairs or ways to improve the property against wind damage. The inspector will submit a state-standard report to your insurance company. This will typically result in a discount – the Florida average is 30% - and can save hundreds, if not thousands, of dollars on your annual premium.

WHAT DOES THE WIND MITIGATION INSPECTOR LOOK FOR?

In Florida, a Wind Mitigation Inspection includes inspecting the following areas of a home:

1.) Roof Covering- installation date, does it meet code
2.) Roof Deck Attachment- how is roof decking attached, are nails used/correct length/spacing
3.) Roof to Wall Attachment- trusses attached with nails or hurricane clips/wrapping
4.) Roof Geometry- a hip roof is preferred (shaped like a pyramid)
5.) Gable End Bracing- if gable roof, is it to Florida code
6.) Wall Construction Type- construction materials, framing, reinforcement (concrete block preferred)
7.) Secondary Water Barrier- a newer item, post-2008 homes
8.) Opening Protection- shutters and protection from wind debris (100% of openings need to be covered)

It is your choice to schedule a Wind Mitigation Inspection, but the annual savings can be double or triple the cost of the inspection. In areas near the coast, we would highly recommend one!

Hurricane season is upon us. Call us today to schedule your inspection: 850-312-8919