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Wind Mitigation Inspection - Insurance Inspection

The report (OIR-B1-1802 (Rev. 01/12)) generated from this inspection enables the homeowner to claim discounts or credits from the Insurance Company. A Wind Mitigation inspection identifies and reports on the key components of the structure which would most likely be impacted during a hurricane event.

Prior to the physical inspection be sure to provide the inspector with as much information as possible. Documentation (permit history) validating the date of the most recent roof replacement, hurricane shutter installation, impact window and door installation, or any other hurricane related improvement will ensure the largest possible premium discount. This information can be found by visiting the website of the local municipality/building department. If the information is not available online a preliminary phone call and visit may be necessary.

Florida Statute 626.0629 requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials..." for construction techniques that reduce damage and loss in windstorms. Florida home insurance companies were required to submit filings by March 2003 that provide for these wind mitigation discounts. The insurance company filings began to take effect during 2003.

The discount provided would affect the wind portion of the insurance premium. In many cases, the annual cost savings are substantial, especially if the home has been retrofitted for hurricane protection, i.e. Gable-end Bracing, Hurricane Shutters, CMU Block Construction, Impact Windows, and other protective devices. Aside from the cost savings, this inspection will identify weak points which can be upgraded later, making the home more prepared for a wind event.

Schedule Today: Call for immediate assistance or email and we will make every effort to respond within 2-4 hours. We are available to perform your inspection promptly. We promise to deliver the report to you electronically (email) within 12 hours of completion. We look forward to serving you and your continued business.

 

   
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