Did you know here in Florida, if you receive a wind mitigation inspection, you are eligible for an insurance discount? That’s for your business or home!
Why you should receive a Wind Mitigation Inspection?
Whether buying a new home or new insurance, hiring a home inspector is needed. During this inspection, of your home or business, the inspector will determine the level of damage your home could sustain during a strong storm. Florida has been one of the first states to require insurance companies to provide a price reduction to all who provide a certified wind mitigation inspection. So in other words… why not?
What IS a Wind Mitigation Inspection?
A wind mitigation inspection is comprised of eight factors. Once your inspector has completed the inspection, you will receive an inspection report. This report will include all the inspector looked at, as well as any recommendations on improvements or repairs that could be made to better your home or business’s sustainability during a strong storm or winds. Once your inspector submits your report (in most cases, your insurance agent receives a copy as well), you are then able to contact your insurance company to discuss your available discount.
Curious to know exactly what an inspector is looking for/at during a wind mitigation?
Below is a detailed list of all that’s inspected:
- Roof Covering – check to make sure all is up to building codes and check age of roof.
- Roof Decking Attachment – will look to see what type of decking is being used and if it is nailed or stapled down.
- Roof to Wall Attachment – determines how the trusses are attached as well as the strength of the attachment.
- Roof Geometry – helps to determine the sustainability during strong winds.
- Gable End Bracing – For those with a gable style roof, your ends should be braced up to building standards. This will insure the inspector your roof is reinforced properly.
- Wall Construction – will look at the supplies used in your home for framing, reinforcements and any other materials used for sustainability and strength.
- Secondary Water Barrier – applies to newer homes and roofs constructed after 2008. If so, the inspector will check for this additional protective barrier.
- Opening Protection – all openings, such as shutters, doors, windows and sliders, will be checked for hurricane proof ratings.
Although a wind mitigation is not a requirement for your homeowners insurance, we here at Pointe Home Inspections stand behind the need for them. Plus you can receive a discount for doing so? Sounds like a cost-effective, no brainer to us!
For any questions, concerns or inquiries for Wind Mitigation, 4-Point or Home Inspections, please do not hesitate to reach out to Pointe Home Inspections! Visit our website at: www.pointehomeinspections.com or call us at 850-585-5494.
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
