Wind Mitigation Inspection Can Reduce Your Homeowners Insurance Dramatically!

Florida Homeowners Insurance rates can be reduced dramatically by having a Wind Mitigation Inspection. A wind mitigation inspection verifies construction methods that provide greater protection from Tropical Storms and Hurricane damage. Florida homeowners and homebuyers should only have Wind mitigation inspections conducted by Licensed Building Contractors or Architects Certified by the State of Florida.

 

Last month we introduced a new feature: Erb and Young Insurance Tips. These new articles and short Youtube videos are designed to train and educate our clients and referral partners with an insiders understanding of the insurance industry. We hope that this months blog article will help you to understand the importance of a Wind Mitigation Inspection.

 

According to Florida Statute 627.0629, 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. The discounted insurance rates in Florida apply to both new construction built to the new statewide Florida Building Code (FBC) and existing construction of homes and condos that were built prior to 2002. Therefore, Florida Homeowners Insurance savings occur when Florida Homeowners provide proof that their home was built with particular construction techniques that Minimize Damage from High Wind Events like Tropical Storms and Hurricanes.

 

 

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.)

 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. 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.

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. Also, we want you to gain the benefits of knowing and being known by your Erb and Young Insurance agent.

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