What is a Wind Mitigation Inspection
In average Florida home owners over pays for home owners insurance premium by 20 percent or more. The reason: many homes already have wind mitigation features qualifying for a rate reduction, but they have not been identified and recognized by their insurance company.Wind insurance discounts are available for building features that reduce damage during high winds on all single family homes, town houses, condos and commercial buildings. Most existing structures have at least one or more wind-resistive construction feature. Home-owners and condo associations also qualify for wind mitigation credits. Florida Statute 626.0629 states that insurance companies must offer Florida home-owners discount, credits, or other rate different for construction methods in their homes that reduce damage and other losses from wind storms.
A Wind Mitigation Inspection has to be perform by a qualified licensed home inspector in order to identify and document any wind mitigation features the home may already have, to qualifies for a premium discounts mandated by law.
At Home Inspection State Certify,LLC our qualified licensed home inspector can perform Wind Mitigation Inspections and identify the necessary wind mitigation features to consider installing to the home-owner before the next hurricane, as well for receiving the insurance discounts that are required by Florida law.
Thus hurricane wind mitigation is an action aimed at reducing the severity of damage and personal injury due to a homes exposure to hurricane force winds. Installing Mitigation features to your home before the next storm increases a homes resistance to damage and by reducing threats to personal injury.
Hurricane mitigation is therefore important because it can significantly reduce storm damage to persons and property. This is reflected in the fact that insurance companies will reduce premiums if a home has received proper hurricane mitigation measures.
In Florida, hurricane mitigation has the direct result of provisions in law aimed at saving the home owner money on property insurance costs.
Here is the provision in the Florida Statutes: Florida Statute 626.0629 states that insurance companies must offer Florida home-owners a discount , credits, or other rate diffrent€¯ for construction methods in their homes that reduce damage and other losses from wind storms. A Wind Mitigation Inspection by a qualified home inspector serves to identify and document if a home already qualifies for such premium discounts mandated by law.
Please note if storm shutters or storm panel hardware are not installed to the wall or floor for the storm panel to be installed when need it, and if the hardware is installed but there is no storm panels to install you may not be eligible for a discounts from the insurance company.
At a minimum, hardware must be installed at all openings in order to certify the rating. The inspector should verify that opening protection devices have been installed in accordance with the approved specifications. Shutters that have never been installed or mounted, even if they are impact-tested and approved, do not qualify.
Roof and Attic Access: Is required to verify certain mitigation and 4 point inspection features. Ensure that your attic is accessible before the inspector arrives. If the inspector cannot access your roof or attic, you may not be eligible for discounts from the insurance company.
On the Roof and Attic we will check for:
- Roof deck, Flashing and Rain Gutters System.
- Roof-to-wall attachment.
- Roof deck and attachments.
- Secondary water-resistance features.
Before the inspection begins, give the inspector copies of any mitigation documents you have for Storm Shutters, Windows, Doors, Sliding Glass Doors, Garage Doors, Skylight, Roof System for your Wind Mitigation Inspection. They will need to be submitted with the Uniform Mitigation Verification From # OIR-B1-1802. If there is no documentation or there are no product approval stamped on any of the Storm Shutters, Windows, Doors, Sliding Glass Doors, Garage Doors, Skylight, Roof System. You may not be eligible for a discounts from the insurance company.
The inspector will perform a comprehensive inspection of your home and property, including:
- The home's basic structure and construction materials.
- Roof shape, materials, condition and connections.
- Wall construction.
- Exterior and garage doors, windows and skylights.
- Storm shutters/panels (installed or stored on the property).
- Attic interior.
Providing your inspector with documentation of your home's mitigation features will help ensure you receive discounts for any mitigation features that may not be clearly marked or easily visible.
Acceptable Documentation Examples:
- Receipts or other documents that include product specifications
- Work orders and invoices.
- Roofing permits.
- Notice-of-acceptance letters for mitigation products (usually obtained from installers or manufacture.
A wind mitigation inspections can determine if you qualify for a discount on your home owner insurance policy. A wind mitigation inspection is done by a state certified inspector, Home Inspection State Certify, LLC. Your insurance company will not accept an unqualified inspection report.
Home Inspection State Certify, LLC can conducted a Wind Mitigation Inspections on your home and can identify wind mitigation qualifying features or actions a home owner should consider installing for the sake of loss reduction and life safety, as well as for receiving the insurance discounts that are required by Florida law.The fact that insurance companies will reduce premiums if a home has received proper hurricane mitigation measures.