A Wind Mitigation Inspection is a MUST for ALL Florida Homeowners

By having a Wind Mitigation Inspection Florida Homeowners can reduce their Insurance rates dramatically and have the peace of mind that their home will have minimium damage if their home is hit by a Tropical Storm or Hurricane force winds. 

Hurricane expert Philip Kotzbach said there is a 97 percent chance of a named storm making landfall in the US during 2016. That could mean a tropical storm, hurricane or major hurricane.

Our blogs and short Youtube videos are designed to give our clients and referral partners an insiders understanding of the insurance industry and related topics. We hope that this blog article will help you to understand the importance of a Wind Mitigation Inspection.

What is a wind mitigation inspection?

Florida Homeowners Insurance savings occur when they provide proof that their home was built with particular construction techniques that Minimize Damage from High Wind Events like Tropical Storms and Hurricanes. A Wind Mitigation Inspection will provide the proof needed by Insurance carriers to qualify you for reduced insurance rates. A certified professional will come to your home to verify that construction methods were used that provide greater protection and therefore, minimize the damage that could happen to your home during a Tropical Storm and /or Hurricane.

Wind Mitigation Inspectors will collect the following information during an inspection: The age of the home to determine what building code was in place at the time of construction, the age of the roof, documentation to prove if the roof was installed to any certain building code, roof to wall connection, roof shape, the roof deck attachment, existence of a SWR and the opening protection of the doors and windows.

Florida homeowners and homebuyers should only have Wind mitigation inspections conducted by Licensed Building Contractors or Architects Certified by the State of Florida.

ALL insurance companies are required to offer Florida homeowners “discounts, credits, or other rate differentials…” for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims, according to Florida Statute 627.0629. These discounted insurance rates for Florida Homeowners applies to both new homes that have been built to the new statewide Florida Building Code (FBC) and existing construction of homes and condos that were built prior to 2002. 

The Wind Mitigation discounts are applied towards the windstorm portion of your total homeowners insurance policy premium. Depending on where your home is located in Florida, the windstorm portion of the policy usually represent a significant portion of the total homeowners insurance premium. In Florida, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy’s premium. With that stated, it is important to keep in mind that premium determination is very complex, that is why Florida homeowners and homebuyers must contact a knowledgeable insurance agent for the actual dollar amounts of discounts for which they qualify based on the findings of the Wind Mitigation Inspection.

 

 

The Wind Resilient construction techniques that can be verified by a Wind Mitigation Inspection should include:

  • Actual Roof Shape – HIP Roof is prefered
  • Method of Roof Shingle Attachment
  • Reinforced Roof Decking
  • Horizontal Truss Bracing
  • Secondary Water Resistance Barrier
  • Hurricane Straps and/or Hurricane Clips
  • Use of hurricane straps for the roof-to-wall and floor-to-floor connections
  • Use of anchor bolts for the wall-to-foundation connections
  • Use of Shutters for Window Protection
  • Full or Partial Impact Resistant Glazing on Windows
  • Impact Resistant Windows (Beginning in July 2001, the South Florida Building Code required that every exterior opening in a house be protected against flying debris either by shutters or impact resistant windows.)

The information gathered by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all wind mitigation inspections must have photographs showing each feature listed on the wind mitigation form.

For more information and to get answers to specific insurance questions, please contact an Erb and Young Insurance Agent. Your Erb and Young Insurance agent will provide you with exceptional service, rates and a FREE professional consultation. We focus on the relationship, not the transaction. Since we’re independent agents, our allegiance lies with our clients, not the insurance companies. We want you to avoid overpaying for a policy that is not providing the right coverage and we want you to gain the benefits of knowing and being known by your Erb and Young Insurance agent.

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