Lower Your Insurance Cost

Source: Inside & Out Property Inspectors INC.

A Wind Mitigation Inspection checks your homes wind resistant features. The inspector will be checking how your roof is sealed from water, how strong the structure is, and the door or window casings. Having this inspection done can help save a substantial amount on your Florida homeowners insurance.

This inspection helps insurance companies tell if you’re roof is capable of handing hurricanes, or strong winds. The stronger and safer your roof is, the lower risk you are to the insurance company which may lower your premiums.

The inspection can only lower your premiums, even if the inspection gets a low rating your homeowner’s insurance can’t go up. Depending on where you live, and the size of your home depends on how much you’re capable of saving. While the cost of the inspection is around $100 the savings on your homeowner’s insurance can be a few hundred up to a few thousand.

There are key features the inspector will look for; these seven indicators will tell if your home is capable of withstanding strong winds and water:

  • Building code
  • Roof covering
  • Roof-deck attachment
  • Roof-to-wall attachment
  • Roof geometry
  • Secondary water resistance
  • Opening protection

Some of those key features can’t be added easily or are harder to change, here’s a list of the main features Florida homeowner’s insurance companies look for to save the most:

  • Roofing material that meets Florida building codes
  • Secondary water resistance under the roof sheathing
  • Impact- resistant coverings verified for cyclic pressure and large missiles over all glass openings
  • Roof-deck attachment with plywood
  • Roof-to-wall attachment that uses double wraps
  • A hip roof

Wind mitigation inspections are good for five years in Florida. You pay for the inspection once and save on your homeowners insurance premium for the next five years.

 

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