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Your Trusted Home Inspection Services
Wind Mitigation Inspection South Florida
What is a Wind Mitigation Inspection ?
The purpose of a wind mitigation inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane. The results of this report can be sent to your insurance agent to reduce your homeowners insurance premium.
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Wind mitigation inspections look for construction features that have been shown to reduce damage during hurricanes. The features found during the inspection that help determine the structure's stability are:
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The age of the structure
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The roof age and the type of roof covering material
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The type of roof deck, deck attachment, & nail size
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The type of roof underlayment (Secondary water resistant barrier)
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The roof shape (Hip, gable, flat, etc)
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The roof to wall attachments (Hurricane Straps)
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Windows, doors, garage doors, skylights, & glass blocks
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Hurricane opening protection devices (Storm panels, accordion shutters, impact windows & doors, etc)
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Wind Mitigation Inspection Benefits
It provides an overall view of home features that protect you and your family during storms
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It provides a list of home improvements that can potentially increase your home’s value
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It can help reduce the cost of your homeowners insurance
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It helps homebuyers in making safe and sound investment decisions
Since 2006, insurers have been required to offer discounts to homeowners who provide a wind mitigation report. Without it, insurance companies assume that your home is not protected and will quote you accordingly. Most of the time, the discount received from your insurance carrier outweighs the cost of the inspection, so you have absolutely nothing to lose!
When to Schedule an Inspection ?
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Prior to purchasing a new home
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Prior to seeking a new homeowner’s insurance policy
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To renew your homeowner's insurance
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To learn about weak points in your home's construction that could affect the property during storms
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To list your home as “insurable” and utilize the insurance reports (4 point & wind mit) as a selling point
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After performing home improvements such as installing new impact windows and doors, installing opening protections, completing a hurricane strap retrofit, and/or replacing the roof
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To find peace of mind during the hurricane season
Frequently Asked Questions
How much money can I save with a wind mitigation inspection ? As with most things insurance-related, there’s no way to know for sure. That depends on where you live and your home’s features. Savings can range from none to a few hundred dollars to over $1,000. Wind mitigation savings are most substantial in Florida because the state requires insurers to offer these discounts. The cost of a wind mitigation inspection is $150, which is usually more than offset by the insurance savings. It is extremely rare for no credits to be earned. Without a wind mitigation inspection, your insurer assumes that your home has the least wind-resistant features available. Notifying them that you have at least a few will require them to offer a discount.
How long is a wind mitigation report valid for? Wind mitigation inspections in Florida are valid for five years. When you think about it, you pay for the inspection upfront, but you save money on your home insurance premium every year for five years provided that no material changes have been made to the structure.
What does the wind mitigation report looks like ?
Why did I lose my insurance credits ?
Who should perform the inspection ? Wind mitigation inspections should be performed by a licensed home inspector. Although residential contractors are authorized to complete the form, it is not recommended to hire those individuals. Home inspectors specialize in home inspections. They have passed the state exam, they carry liability insurance, and have knowledge regarding all of the home's systems. Home inspectors are required to take yearly continuing education courses (including wind mitigation training) to keep their license active. Please review your home inspectors license prior to hiring them. Go to https://www.myfloridalicense.com/ and perform research prior to scheduling an appointment with your company of choice. Florida Wisdom Home Inspections is certified, licensed, and insured. Rest assured that you are in good hands.
How much is an inspection ? In Florida, wind mitigation inspection prices vary by location and size of the home. Most reputable home inspection companies charge around $100 to $200. In this industry, you get what you pay for. Inspections performed by an experienced and licensed home inspector will cost more. Inspections performed by non licensed individuals and newer inspection companies with less experience will be cheaper. It all comes down to knowledge and expertise. Florida Wisdom Home Inspections specializes in wind mitigation inspections. We have years of experience and provide support before, during, and after the inspection. We will take the time to explain how your wind mitigation report will affect your insurance rate and how you can improve it to reduce your insurance premium. We take time to help our clients in the best of our abilities and have multiple referral sources to help you along the way.
Wind Mitigation Inspection for HOA Communities
Florida Wisdom Home Inspections provides TYPE I Wind Mitigation Inspection for residential buildings with less than 4 stories. We provide inspection services for condominium associations, apartment communities, and townhouse communities.
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A wind mitigation inspection can reduce the HOA insurance premium. After the inspection, we will make sure to educate you and your team regarding potential available discounts the association may have if improvements are made. By following the recommendations made by your home inspector, you will be able to minimize hurricane related damages and protect the residents. Despite the initial inspection and upgrade fees, yearly potential insurance discounts and reduction on storm damages can translate into substantial financial benefits over time.
What is a Wind Mitigation Inspection ?
The wind mitigation inspection recognizes building features that can help reduce damages caused by storms. This inspection is often requested by insurance carriers upon seeking windstorm insurance coverage, renewing an insurance policy, and/or after major improvements have been made to the buildings (such as re-roofing, impact windows & doors installation, storm panels installation, hurricane straps retrofit, etc). The result of this report has a direct impact on the HOA insurance premium. Therefore, at the end of the inspection, suggestions will be made to improve the wind resistance level of the structures to help in obtaining the best insurance rate. By the end of this process, you and your team will know if the residential buildings are well prepared for upcoming storms and which modifications can be made to receive additional insurance discounts. We are here for you, before, during, and after the inspection.
Wind Mitigation Inspection Reveals :
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The age of the buildings
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The roof's age, types of roof covering material, & roofing permit numbers
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The types of roof deck, deck attachment, & nail size
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The types of roof underlayment (Secondary water resistant barrier)
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The roof's shape (Hip, gable, flat, etc)
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The types of roof to wall attachment (Single wraps, double wraps, clips, toe nails, etc)
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Windows, doors, garage doors, skylights, & glass blocks impact rating
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The types of opening protection (Storm panels, accordion shutters, impact windows & doors, etc)
Perks and Benefits
We are working on holidays and weekends to help you meet your deadlines.
We are organized and efficient. We pride ourselves in quickly delivering detailed and accurate reports.
We have a systematic approach which makes the inspection process smooth and stress free.
Our commercial general liability and E&O insurance protects the community and it's residents.
We are attentive to your needs. You will know what to expect and we will guide you along the way.
We are respectful, trustworthy, and friendly. The residents will feel safe and comfortable around us.
Florida Wisdom Home Inspections has helped hundreds of homeowners, condo associations, apartment and townhouse communities. Let us assist you, we can guarantee that you won’t be disappointed.
Schedule your inspection by calling 561-509-4190 or by filling our contact form below.