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Florida Wind Mitigation Inspection Saves Thousands
Those severe weather events do more than close the beaches, they also drive up the cost of homeowners insurance substantially. The average homeowner in the Sunshine State is paying a whopping 22 percent more to their insurance company then they ought to because those property owners don’t have a wind mitigation inspection, reports the Florida Department of Financial Services.
In fact, the Florida Statutes, Chapter 626, stipulates homeowners can enjoy discounted rates and that can mean a savings of 10 percent to 30 percent annually.
The Wind Mitigation Inspection Process
To save money on your insurance year after year, you’ll have to take action. To get the biggest discount possible, you’ll have to schedule a wind mitigation inspection and here are the factors:
The roof covering. The inspector will want to know the last installation date and its overall condition. Potential deficiencies are probable for homes built prior to 2001.
The roof deck attachment. The inspector will look for nail and/or staple attachment, and their respective frequency across the structure.
The roof and the wall attachment area. Trusses, hurricane clips, and wraps are inspected.
The geometry. Basically, if you have a pyramid shaped roof, you’ll be in good shape as flat roofs are frowned upon.
The gable end bracing. How the gables on these type of roofs are what’s most important.
The construction of the walls. Brick fares better than stick, and reinforcement, along with framing are the biggest concerns an inspector will have relating to wall construction.
Any secondary water barrier. This is common in homes built after 2008; so, if you’re home is older, it will likely lack this protective feature.
Protection at openings. Windows, doors, and shutters definitely make a difference and how they are shielded from damage as well as from interior debris intrusion is key.
Once you have a wind mitigation inspection completed, and you’ve made any necessary upgrades, submit it to your insurer to lower your premium.