Wind Mitigation Inspections. What is it? Do I need one?

Wind Mitigation Inspections. What is it? Do I need one?

As a homeowner in Pinellas County and surrounding counties,   state law entitles you to certain premium reductions on your windstorm insurance if your home meets certain construction criteria, but without a Wind Mitigation inspection, you can’t get these money-saving reductions.

If you haven’t had a windstorm insurance inspection at your current home, you are PROBABLY PAYING TOO MUCH FOR YOUR WINDSTORM INSURANCE!Wind Mitigation Inspections
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 construction type, roof shape and construction methods, the age of roof covering, door and window opening protection as well as the actual year the home was built.

Another factor may be the elevation of a property and how it relates to wind speed. Advanced Home Inspections of Florida leads the area in Wind Mitigation Inspections.  We hold a General Contractors license which helps us recognized and document the building attributes that help you get larger reductions in your insurance premiums.

We are the most experienced inspectors in the Palm Harbor, Clearwater and St. Petersburg area.   You will receive a detailed report which includes full-color photos.  This report is then given to your insurance agent and the discounts are applied. Call us today to schedule your 4-Point and Wind Mitigation Inspections.  (727) 417-4432

Can my Wind Mitigation Inspections Report be improved in order to save more money on my insurance premiums?

Yes.  There are several things that you can do to better prepare your home for hurricanes and strong winds and these improvements will allow you receive a better Wind Mitigation Inspections report and will save you money on your wind storm portion of your insurance.

Wind mitigation inspection diagramIf you can provide a roofing permit dated after March 1st, 2002 or the home was built after 2004 you will receive a credit.  This means when you replace your roof, you should have a Wind Mitigation Inspection completed to show the new roof.  If you have your roof replaced, ensure the roofer uses an SWR (Secondary Water Barrier) that meets the Florida code.  This is a barrier between the roof decking and the roofing material that helps keep water out if you were to lose some roof covering during a storm.  The barrier will entitle you to another credit.

If the nail types, lengths and spacing that hold down the roof decking to the trusses or rafters are not sufficient to meet the requirements to qualify for a credit,  The correct fasteners can be added at the time the roof is re-roofed.  This will get you another credit.

If you do not have the correct fastener holding the trusses/rafters to the walls, or do not have the correct amount of nails holding the fasteners on, these can be added to qualify you for another credit.

Lastly, If your windows and doors are not protected by Florida approved hurricane protection, such as Impact rated doors and windows, shutters,  panels etc. then by adding this type of protection, you can qualify for yet another credit.

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Shawn DuBois CPI, (727)-417-4432

Call Shawn today for your Wind Mitigation Inspection! (727) 417 – 4432