Wind Mitigation Credits And Your Home Insurance

What is a Wind Mitigation Inspection?

Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind. The State of Florida requires insurance companies to offer discounts for protecting your home against damage caused by windstorms. These discounts are known as Wind Mitigation Credits and are offered after a certified inspection is done to your home.

Florida Wind Mitigation Inspectors Examine:

  • Roof Shape
  • Roof Bracing of Gable End
  • Roof Deck Attachment
  • Roof Covering
  • Roof-to-Wall Connections
  • Secondary Water Resistance
  • Protection of Openings (windows, doors) with either Impact Glass or Hurricane Shutters
  • These features are evaluated to determine how wind resistant your home is with its current features

Why Does Wind Mitigation Save You Money on Home Insurance?

A wind mitigation inspection is the only inspection that can significantly reduce the cost of your insurance policy. That’s because this inspection can determine whether your home has features that drastically decrease severe property loss from hurricane wind. As always, the safer and stronger your home is, the lower your premiums may be.

All the features the inspector looks for may seem like minor details, but they make a world of difference when a windstorm or hurricane strikes. The appropriate wind mitigation features can be the difference between your home weathering the storm and a total rebuild.

How Much Money Can You Save with Wind Mitigation?

That depends on where you live and your home's features. Along the coast, savings can range from a few hundred dollars to well over $1,000. Wind mitigation savings are most substantial in Florida because the state requires insurers to offer these discounts.

Enforce Your Home Today and Save

There are several cost-effective measures you can take to safeguard your home and reduce your hurricane-wind premium. For example, replacing your roof and adding additional security with hurricane clips or wraps. Become eligible for the opening protection credit by installing impact windows and doors or hurricane rated shutters.

If you are interested in finding out how much money you could save on your homeowner’s insurance or want to see where your house could use some wind reinforcement, give our office a call at 954-507-6429 and ask for a free consultation.

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