"The Florida Department of Finance states that
15% to 70% of your homeowner's Insurance premium
could be attributed to wind-damage risk."
CERTIFIED WIND MITIGATION INSPECTIONS
What is Wind Mitigation?
Mitigation is defined as a noun that is the lessening of the force or intensity of something unpleasant. Wind mitigation specifically targets the structural and non-structural aspects of your home that prevents or lessens damage caused by high winds that occurs with storms.
As a new or exisiting homewoner your biggest asset IS your home.
In Florida, our primary concern is the wind damage that can be caused
From June 1st through November 30th we have "hurricane season".
That means 5 out of 12 months each year Floridian's are at risk for exposure to high wind.
This high risk burdens the Homeowner's Insurance premium.
Florida Statues require Insurance companies to offer discounts at issuance and each renewal for those whose homes meet the requirements.
How do I know if my home qualifies for insurance premium discounts?
First, you hire me, a qualified Licensed Florida Home Inspector who has completed additional training and certification in the area of wind mitigation to inspect your home.
There are several factors that are considered:
Your location: The closer you are to the coast, the more vulnerable you are to damage caused by hurricane winds and this makes your hurricane-wind premium higher than similar homes in other areas of the state.
Your policy: Your insurance policy is divided into two premiums: one for damage caused by hurricane force winds (hurricane-wind) and one for all other damage (all perils), such as fire.
Your deductible: Under the law, you are allowed to choose a $500, 2%, 5% or 10% deductible depending on the actual value of your home. The larger your deductible, the lower your hurricane-wind premium, however, if you select a higher deductible your out-of-pocket expenses in the event of a hurricane claim will be higher.
Improvements to your home: The state requires insurance companies to offer discounts for protecting your home against damage caused by hurricane winds. Securing your roof so it doesn’t blow off and protecting your windows from flying debris are the two most cost effective measures you can take to safeguard your home and reduce your hurricane –wind premium. Discounts apply only to the hurricane-wind portion of your policy.
Your maximum discount: Discounts are not calculated cumulatively. The total discount is not the sum of the individual discounts. Instead, when one discount is applied, other discounts are reduced until you reach your maximum discount of XX%.
Other factors include: Roof Covering (i.e. shingles or tiles), roof-to-wall connection, roof shape, secondary water resistance (SWR) and the prescense of properly installed shutters.
Second, I am the Authorized mitigation inspector that signs a uniform mitigation form.
The inspector delivers the completed uniform mitigation form to the new or existing homeowner AND submission to their insurance provider.
It is the final decision of the insurer to reduce your premiums.
AND WHEN THEY DO, THE SAVINGS WILL BENEFIT YOU MANY TIMES FOLD
FOR THE SMALL COST OF THE INSPECTION AND REPORTING!!
EVEN MORE IMPORTANT: WHAT WOULD BE THE LONG TERM VALUE OF KNOWING YOUR HOMES WIND REDINESS CONDITION AND THE SAFETY OF YOUR FAMILY?
Home Wind Mitigation Photo Gallery
(Click on photo to enlarge)
This small decorative gable roof perimeter length will be subtracted from the hip calculation according to Uniform Mitigation Verification Form.
Drawing a "on roof" sketch with perimeters and roof planes for Wind Mitigation Report.
A drawing of the roof area can be of many uses for the Inspector. Vital Information in getting insurance discount.
Using a metalliscanner to detect roof sheathing fastner type and spacing required for the Uniform Wind Mitigation Report.
The type of fastner and the spacing is important to determine discount on insurance during a wind mitigation inspection.
The length is important to the nails used on shingles, also the type and how many per shingle is another factor of wind mitigation analysis
Verifying the sheathing type OSB (Oriented Strand Board), thickness 1/2 inch, installed with H clips and nailed with 8d nails within 6 inch centers. Good for Insurance requirements.
A tight fit, but verification shown of the Roof to Wall Connection, Box "C" on the Mitigation form for Single Wrap Strap over truss with proper nail requirements. Good!!
Roof planes are calculated for slope and perimeter distance then non-hip components are subtracted to determine the type of roof geometry.