• Facebook
  • Twitter
  • Youtube
  • LinkedIn
  • Yelp
  • Instagram
Text: 904-395-1900Call: 904-395-1900
Inside & Out Property Inspectors
  • Home Inspections
    • What’s Included
    • Infrared Thermography Inspection
    • New Construction
    • Pre-Drywall Inspection
    • Warranty Inspection
    • Deck Inspections
    • Sewer Scope
    • Mold Inspection
    • Pre-Slab Inspection
    • Stucco
    • Manufactured Home Foundation Certification (HUD) Inspections
  • Commercial Inspections
    • Commercial
    • Rental Inspection
  • Insurance
    • Wind Mitigation
    • 4 Point Inspection
  • About
    • About Us
    • Careers
    • Standards of Practice
    • Code of Ethics
    • Testimonials
  • Service Areas
    • Inspections
      • Commercial
        • Jacksonville
        • Jacksonville Beach
        • St. Augustine
        • St. Augustine Beach
        • Ponte Vedra Beach
        • Crescent Beach
        • Vilano Beach
        • Green Cove Springs
        • Nocatee
        • Hastings
        • Palm Valley
        • Sawgrass
      • Residential
        • Jacksonville
        • Jacksonville Beach
        • St Augustine
        • St Augustine Beach
        • Green Cove Springs
        • Nocatee
        • Ponte Vedra Beach
        • Vilano Beach
        • Crescent Beach
        • Hastings
        • Palm Valley
        • Sawgrass
        • Neptune Beach
    • Pest Control
    • Insurance Inspections
      • Wind Mitigation Inspection
        • Jacksonville, FL
        • St. Augustine, FL
        • Green Cove Springs, FL
        • Nocatee, FL
      • 4 Point Inspection
        • Jacksonville, FL
        • St. Augustine, FL
        • Green Cove Springs, FL
        • Nocatee, FL
    • 11-Month Warranty Inspection
      • Jacksonville, FL
      • St. Augustine, FL
      • Ponte Vedra Beach, FL
      • Crescent Beach, FL
    • View All Service Areas
  • Blog
  • Schedule
  • Free Quote
  • Termite Inspection
  • Termite Treatment
  • Mosquito Treatment
  • Rodent Exclusion
  • Termite Treatments
  • Termite Treatments
  • Menu Menu
How A Wind Mitigation Inspection Can Save You Money On Home Insurance

How A Wind Mitigation Inspection Can Save You Money On Home Insurance

September 9, 2019/0 Comments/in Homeowner Resources/by aaron

If you have your home inspected for wind mitigation in Florida and in other states where hurricanes and high winds regularly cause property damage, you may be able to save quite a bit of money on your home insurance premiums.

Not sure if your home has wind mitigation features, or if you can save money on your insurance with a wind mitigation inspection? Learn everything you need to know below. 

What Is A Wind Mitigation Inspection? How Does It Work?

As the name suggests, a wind mitigation inspection is done by a qualified home inspector, and it looks for features on your home that make it more resistant to wind damage. 

These wind mitigation features are intended to help your home resist and withstand high winds caused by major storms and hurricanes. Some features like water barriers, storm windows, and roof-to-foundation anchoring can help your home resist wind damage – and if these are present in your home, you may be able to save on insurance.

A wind mitigation inspection consists of a qualified inspector examining your home and verifying the wind-resistant features that are present. You may choose to do this after buying a home if it already has mitigation features in place – or to have your home inspected after you have made improvements to enhance its resistance to high winds.

After your inspection is complete, you’ll get a report that you can present to your insurance company to prove that your home has wind-resistant features.

How Can I Save On My Insurance With A Wind Mitigation Inspection?

Legally, insurance providers in some states like Florida must offer credits and discounts on home insurance premiums for homeowners who take proper steps to protect their homes from wind damage. In Florida, these are referred to as “Wind Mitigation Credits.”

The majority of the cost of your home insurance policy in Florida may actually be due to the risk of wind damage. According to the Florida Division of Emergency Management, somewhere between 15-70% of the cost of your premiums can be linked to the risk of wind damage depending on your location, insurer, and other such details.

Therefore, showing your insurance company that you have had a wind mitigation inspection and that your home has been protected against wind damage can save you a lot of money each year – more than enough to pay for the cost of an inspection. 

And don’t worry. There is no risk that your premiums will increase after a wind mitigation inspection. Your costs will never rise due to the results of your inspection, so it’s risk-free. 

What Can I Do To Increase My Home’s Resistance To Wind? 

 

Discounts on Insurance Premiums

WIND MITIGATION

Not sure how you can make your home more wind-resistant? If you have not yet taken steps to protect your home from wind, there are many improvements you can make before you have a  wind mitigation inspection! All of these improvements may help reduce your insurance costs. 

  • Water barriers below your roof – An extra layer of water-resistant material below your roofing tiles or shingles can help reduce the risk of water damage caused by the loss of shingles or tiles in high winds.
  • Roof-to-foundation anchoring – Using strong anchor bolts, the roof can be securely fastened to the walls. Then, another set of anchor bolts can be used to securely attach the walls to the foundation. The idea behind this is to create a “continuous load path.” Wind pressure on your roof will be transmitted through your entire home and into the foundation – instead of to the roof alone.
  • Roof deck attachment – The wood roof deck can be securely attached to the underlying framing with strong fasteners to prevent it from loosening or blowing away in high winds.
  • Impact-rated window/door coverings – Impact-rated doors and windows or storm shutters are important for preventing rain from entering your home, and mitigating water damage. These doors and windows must be able to withstand wind speeds of up to 140 mph. In addition, impact-rated windows and doors or storm shutters/doors help prevent windows from breaking. When windows break during strong winds, high wind pressure builds up below the roof. This high pressure, combined with the low pressure of the wind blowing over the top of the roof can result in the roof literally peeling away from the home, and being blown away.
  • Impact-resistant garage doors – Garage doors are often a primary point of failure during windstorms and hurricanes. Hurricane-rated garage doors can often withstand wind speeds of up to 200 mph or more without failure, due to the high-quality materials and strong anchoring of the doors.

You can certainly save on your insurance policy if you make just one of the above improvements to your home, and have it inspected. But for even more savings – and to ensure your home is protected from hurricane damage – we highly recommend that you consider making as many wind mitigation improvements as you can. 

In most cases, these improvements will add to the value of your home. Not only that, but the insurance savings over time will help pay for these upgrades. In addition, some of them, like impact windows and/or doors, may be financed with PACE financing, making it easier to budget for them over a long time period.

Make Wind Mitigation Improvements And Get An Inspection! 

If you’re a homeowner in Florida – particularly in a High Velocity Hurricane Zone (HVHZ) like Miami/Dade or Broward Counties or Coastal Palm Beach – you can save big on your insurance if you take steps to minimize the risk of wind damage, and have your home inspected.

So don’t wait. If you’ve already made wind mitigation improvements, schedule a consultation now. And if you’re just getting started, contact a reputable contractor near you to learn more about your options for residential wind mitigation.

Share this entry
  • Share on Facebook
  • Share on Twitter
  • Share on WhatsApp
  • Share on Pinterest
  • Share on LinkedIn
  • Share on Tumblr
  • Share on Vk
  • Share on Reddit
  • Share by Mail
https://insideandoutpropertyinspectors.com/wp-content/uploads/2019/09/WhatE28099s-Not-Included-in-a-Home-Inspection_-8.png 400 500 aaron https://d39oyu4lp7snwz.cloudfront.net/wp-content/uploads/sites/54/2019/08/31171419/io-favicon-300x300.png aaron2019-09-09 16:49:472021-05-24 18:10:57How A Wind Mitigation Inspection Can Save You Money On Home Insurance
0 replies

Leave a Reply

Want to join the discussion?
Feel free to contribute!

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Categories

Recent Posts

  • How To Get Smell Out Of Carpet
  • How To Remove A Drain From Bathroom Sink
  • How Many Downspouts Do I Need?
  • Is It Worth Replacing Windows Before Selling A House?
  • How to Adjust the Water Level in a Toilet?

Archives

Inside and Out Property Inspectors Logo

SCHEDULE YOUR INSPECTION TODAY!

 
Contact Inside & Out Property Inspectors Inc. today to schedule your home inspection with an InterNACHI Certified Professional Inspector in Northeast Florida.

$30 Hero Discount for Military, First Responders, and Teachers

Call 904-395-1900 Get a Quote
​
Certified Master Inspector
Northeast Florida Association of Realtors
Fabi Logo
Jacksonville 7945 Pine Lake Rd, Jacksonville, Florida 32256  |  St. Augustine 52 Tuscan Way, St. Augustine, Florida 32092

© 2019 Inside and Out Property Inspectors All rights reserved | Website by WolfPack Advising
  • Facebook
  • Twitter
  • Youtube
  • LinkedIn
  • Yelp
  • Instagram
  • Contact
  • DIY Home Maintenance Videos
  • Approved Contractors
  • Terms of Use
  • Sitemap
Does Your Home Have A Non-Insurable Electrical Panel? Does Your Home Have A Non-Insurable Electrical Panel? What’s Not Included in a Home Inspection? What’s Not Included in a Home Inspection?
Scroll to top