Wind Mitigation Inspection St. Augustine
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Wind mitigation is the use of certain building techniques that limit damage caused by intense wind, such as hurricanes. Here in the St. Augustine area, our homes and businesses are at risk for damage by wind not just during hurricane season, but in the winter, as well. Wind mitigation has become increasingly important for homeowners in the Jacksonville region, as insurance companies look to decrease their risk. Some insurance companies will raise rates for homeowners who do not meet the latest state standards, as well. There are also incentives available to help St. Augustine homeowners make improvements to their homes. This is the only inspection that can help lower your homeowner’s insurance.
In 2006, Citizens Insurance, one of the largest property insurers in Florida, requested a 45% rate increase for wind insurance. Other insurers took similar actions.
In Florida, the portion of a home owner’s premium covering wind damage can be up to 70% of the total, depending on the location.
Wind mitigation benefits homeowners, private insurers, and all levels of government.
Home insurance companies focus on evaluating and handling risk. So in the state of Florida where strong winds can cause serious damage, you should expect an insurance premium. However, by getting a wind mitigation report with your home inspection, you will be able to cut these expenses.
A wind mitigation report is provided after a home inspector performs an inspection, and looks for techniques to make your home less vulnerable to the risks brought by strong winds (for example, roof deck attachment, shutters, or other construction features). By taking good care of windows, doors, walls, and roofs, your home can be prepared for these winds.
St. Augustine is the oldest continuously occupied city in the United States. It was founded by Spanish explorers in 1565. It’s the county seat of St. Johns County, and it’s part of the Jacksonville Metropolitan Area.
The city proper has a population of about 13,700 according to the most recent available census data, with estimates of the outlying areas increasing this number to about 70,000. The city is mostly made up of Caucasians, with about 84.2% of the population identifying as Caucasian or white. 11.6% of the population was African-American, and 5.1% were Hispanic or Latino. Other minority populations include Native Americans, as well as Pacific Islanders and other Asian people.