Wind Mitigation

       

Ways to Save On Your Homeowners Insurance Policy


I specialize in inspections for the insurance industry (wind mitigation inspection, 4-point inspection). Let me help you lower your windstorm premiums . By simply contacting me, I can determine whether or not you are eligible for Wind Mitigation discounts that can save you up to 45% off your windstorm insurance.

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Contact me ... for your one time wind mitigation inspection and save money now! You may even receive a REFUND check from your insurance company. Wind Mitigation Inspection fees are reasonable and you will receive your Wind Mitigation discount every time you renew your policy.

There are Wind Mitigation inspection fee discounts for multiple property owners and scheduling with a neighbor, friend, of family...so tell a friend!

A Wind Mitigation Inspection is a valuable inspection service that may reduce your windstorm insurance . Wind  Insurance discounts are available for building features that reduce damage during high wind events.

The Wind Mitigation discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which means reduced costs to insurance companies. Most existing structures have one or more wind resistive construction features and may qualify for some Wind Mitigation insurance discounts.

Wind Mitigation Inspections are available for all single family homes, townhouses, condos, and commercial buildings.

Home owner's and Condo Associations also qualify for wind mitigation credits.  Call to see if a Wind Mitigation Inspection would be recommended.  The state of Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Wind Mitigation features.

We will document the Wind Mitigation features present in your home and produce a WIND MITIGATION CERTIFICATE for you to use in order to receive your wind mitigation credits on your Wind Insurance policy.

Uniform Mitigation Verification Inspection Form (OIR-B1-1802) 

Windstorm construction features protect your home from catastrophic hurricane damage by strengthening your homes ability to withstand the uplift, shear and lateral forces of the wind associated with a hurricane to the exterior shell of your home.

The features enhance the vulnerable components of your home’s protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail in high winds.
If this protective shell or envelope is breached, not only can wind-driven rain and debris enter your home causing considerable damage to its interior, but the high winds can enter your home and exert pressure on your walls and roof leading to catastrophic damage to your property.

Schedule your Wind Mitigation Inspection and receive your WIND MITIGATION CERTIFICATION upon completion of the inspection.

Wind Mitigation inspectors look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of single or double roof straps, and the presence of a secondary water resistance barrier.

A homeowner with windstorm insurance can submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original windstorm policy’s premium.

What qualifies for an Windstorm Mitigation Insurance Discount: Many existing houses have one or more of these wind mitigation construction features and may qualify for some wind insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind mitigation construction features and will likely qualify for significant wind mitigation discount credits.

  1. Roof coverings, such as shingles that meet the FBC Requirements. 
  2. Roof decks that have been installed with large nails and close spacing. 
  3. Hurricane clips/straps that hold the roof structure to the walls. 
  4. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems. 
  5. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm. 
  6. Newly Constructed Homes built to the Florida Building Code since March 1, 2002 
  7. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994. 
Report on how a wind mitigation inspection can reduce a homeowner’s windstorm insurance by as much as 45%. 
Mitigation Inspections are a valuable inspection service that may reduce your windstorm insurance. Insurance discounts are available for building features that reduce damage during high wind events.
The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts.

I can perform these Insurance Mitigation Inspections that help you save money year after year on the wind portion of your insurance premiums. Every  homeowner in Panama City, Panama City Beach, Lynn Haven, Chipley, Wausau, Bonifey, Marianna, Destin, Fort Walton, Bluntstown, Wewahitchka,ect.. should take advantage of the benefits of having an Insurance Mitigation Inspection performed on their home. Let us help you lower your windstorm insurance premiums. Contact me today

To qualify for a Wind Mitigation Discount and/or rebate on your existing Wind insurance policy, insurance companies require that a wind mitigation inspection be completed). My wind mitigation inspection fee will cover all related aspects of the wind mitigation certification.

Please note that insurance companies may have more features that qualify for wind mitigation credits such as doors and gable end bracing.

Wind Mitigation Inspections are available for all single family homes, townhouses, condos and commercial buildings. Call to see if a Wind Mitigation Inspection would be recommended.
850-960-1635

Questions and Answers

How do I know if I will qualify for a Wind Mitigation discount?

Just “Schedule a Wind Mitigation Inspection call me at (850-960-1635). You have nothing to lose and potentially you can save thousands.

Do I need to have hurricane shutters to qualify for wind mitigation discounts?

No. Many other construction features can also qualify.

What are you going to inspect and how long does the wind mitigation inspection take?

The wind mitigation inspection will only check those items and construction features specifically listed on your insurance carrier’s windstorm mitigation form (nothing else is inspected or reported to the insurance company) The entire Wind mitigation inspection will only take 20 minutes at most.

When do I pay you?

I require payment at the time of the wind mitigation inspection.

Why are insurance companies offering the discounts?

The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have wind mitigation construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features.

The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code.
These new insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC).

To qualify for these discounts, most insurance companies require a wind mitigation certification of the key construction features.

What construction features qualify for discounts?

Over 90% of existing houses have one or more of these wind resistive construction features and may qualify for some wind insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind mitigation construction features and will likely qualify for significant wind mitigation credits.

Have your home certified by an approved wind mitigation inspector and start saving with your wind mitigation certified inspection. 

Condo Association- You may also qualify- call for wind mitigation inspection and recieve your wind mitigation verification certification upon completion of your wind mitigation inspection.Wind Mitigation Inspections are a valuable inspection service that may reduce your windstorm insurance.Insurance discounts are available for building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. 

Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts. I can perform these Insurance Mitigation Inspections that help you save money year after year on the wind portion of your insurance premiums.

Every Northwest Florida homeowner should take advantage of the benefits of having an Insurance Mitigation Inspection performed on their home. Let us help you lower your windstorm insurance premiums. Contact me today.




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