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Every homeowner should take advantage of the benefits of having a wind mitigation inspection. Wind mitigation credits can save a homeowner up to 50% on their windstorm policy, and most existing structures qualify for at least one credit.

INSURANCE COMPANY DISCOUNTS

 

The State of Florida requires insurance companies to offer reduced rates for qualifying wind mitigation features.

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.

Wind Mitigation Report

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What features qualify for Wind Mitigation Credits?

Many existing homes have one or more wind construction features that qualify for huge savings.

1. Roof coverings that meet the Florida Building Code requirements.

2. Roof Deck that has been fastened with 8D Nails and close spacing.

3. Hurricane clips/straps that hold the roof structure to the walls.

4. Protected openings such as windows and doors with impact resistant glazing or other approved opening protection.

5. Secondary Water Resistance that prevents the roof from leaking.

6. Newly Constructed Homes built to the Florida Building Code after March 1st, 2002 or Homes built to the South Florida Building Code after 1994 in Miami-Dade and Broward County.

Q & A


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

Just Schedule a Wind Mitigation Inspection online or call us at (727)623-6687. You have nothing to lose and potentially you can save thousands.

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

No. Many other construction features can also qualify.

3) 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 carriers 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.

4) When do I pay you?

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

5) 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-resistant homes 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. .

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