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Wind mitigation inspections are used to measure how well a home can stand up to the potential hurricane force winds we get in Florida by checking several key components like the roof, trusses, doors and windows.
In homes where the building features show a strong resistance to high winds, most insurance companies will offer sharp discounts for coverage. In fact, the reduction in insurance rates will usually cover the cost of the inspection in just one year.
Wind Mitigation Inspections must be performed by certain building experts, like engineers, general contractors, architects or home inspectors with specific training. SureHome is certified to conduct Wind Mitigation Inspections, and offers them in the following areas:
With the recent hurricane activity in Florida, it is vital that homeowners take steps to protect their homes from wind damage. By getting a Wind Mitigation Inspection, they can also lower their insurance premiums in the process.
The Florida Office of Insurance Regulation specifically states in form 1802 that Wind Mitigation inspections should check for the following factors in each home:
After a review of these measures, the insurance underwriter can calculate how much of a discount will be offered to the homeowner.
The way in which a home is constructed, and what materials are used, play an important role in determining how much wind it can resist before catastrophic damage occurs.
First, the year in which a home was built determines the scrutiny of the building codes at that time; specifically how much protection was required for wind. As an example, later building codes require much greater means of attaching roof and truss beams to the main structure to avoid detachment.
In addition, the likewise, size of roof nails, type of roof covering material and thickness of roof boards are all important factors and can mean greater wind protection.
The shape of a home’s roof is also important to its wind resistance. For example, gable shaped roofs are 40% less resistant to high winds than those with a hip shape. Because of this, insurance carriers often provide discounts for hip roofs.
Finally, doors and windows must be able to withstand the impact that can occur from airborne objects during a storm. This prevents pressure loss inside the home that can cause roof lift. Consequently, insurance companies offer large premium savings for homes with impact resistant doors and windows, or metal hurricane shutters.
Contact SureHome today to learn about protecting your home from hurricane force winds and how you can save on insurance premiums with a Wind Mitigation Inspection.