What is a Wind Mitigation Inspection?
The purpose of a Wind Mitigation inspection Is to document building attributes that will help the home to stand up to strong winds. If the home has some or all of these attributes, state law entitles you to certain premium reductions.
Some insurance agents may not inform you of these discounts when preparing an insurance quote.
What is inspected during a Wind Mitigation inspection?
During wind mitigation inspections, a certified inspector reports on the key features that may decrease the amount of damage your home suffers during a hurricane or strong windstorm. These features fall into several categories, such as exterior
- The shape of the roof.
- The age and type of roof coverings.
- How the roof rafters are attached to the exterior walls.
- How many stories is the building?
- Nail type and nail spacing which hold the roof decking to the rafters.
- The type of underlayment which is installed between the roof decking and the roof shingles.
Do I need a Wind Mitigation Inspection?
You will need a Wind Mitigation inspection if you buy a home, or if you change homeowners insurance companies.
Some insurance agents may not inform you of these discounts when preparing an insurance quote. Ensure that you ask your insurance agent about Wind Mitigation Inspections and the windstorm discounts.
If you have not had a Wind mitigation Inspection, you are probably paying too much for your homeowner’s insurance.
How much does a Wind Mitigation Inspection cost?
The cost of a Wind Mitigation Inspection can vary from inspector to inspector. The size and type of home can affect the price as well. The cost, here in Pinellas County, is between $75.00 and $200.00 dollars. See my pricing here.
When hiring an inspector, ensure that they are experienced in doing Wind Mitigations Inspections. Many inspectors are not experienced with Wind Mitigations, some inspectors do not do them.
I have completed 1000’s of Wind Mitigation Inspections and 4-point Inspections. Let me put that experience to work for you in getting all of the discounts you are entitled to.