“How can I make my insurance less expensive?”
For many homeowners, the answer to this question may be as simple as getting a new wind mitigation. Granted, most homes built in Florida within the last 10 years don’t need one, but what is a wind mitigation inspection anyway?
Costing around $100, a wind mitigation inspection involves having a qualified Florida inspector come to your home. While there, he or she looks for certain features that reduce the amount of damage your home may suffer should a storm occur.
What are some of those features? A wind mitigation inspection will look for these items:
- The Roof Covering: What material is your roof composed of? Does it meet the Florida Building Code?
- The Roof Deck Attachment: This looks at the size and spacing of the nails holding the plywood to the trusses.
- Roof to Wall Attachment: How is your roof attached to the frame of your home?
- Roof Geometry: What is the shape of your roof?
- Secondary Water Resistance: Does your roof have an extra water resistant layer between the plywood and roof material providing additional protection for your home.
- Opening Protection: Are your windows, doors, and skylights wind and impact resistant or do you have approved shutters?
If you replace your roof, some companies will accept a copy of the new roof permit if this is the only change. But if you replace your roof or upgrade your home to include impact windows, submitting a new wind mitigation to your insurance agency may be the fastest way to save money on your insurance premium.
Please let us know about any updates you’ve made today, and we can discuss potential savings.