What is Florida Wind Mitigation?

Jun 08, 2012 (0) comment

Having a Florida wind mitigation inspection of your home can save you tons on your homeowners insurance policy. Windstorms occur quite often in Florida. Hurricane season usually falls between June and November every year. With the milder weather we experienced last winter, this year’s hurricane season seems to have started a bit early. You may have taken measures to protect your home from damaging winds. Have you added a hip roof since you moved in? Reinforced your garage doors? Changed out your windows for impact resistant glass? Call a wind mitigation expert to come check it out.

If you have wind-resistant features on your home that are made to specifically decrease damage that may occur during a windstorm, you will qualify for a premium discount. Some features they will examine and will be looking for during the wind mitigation inspection are: concrete block construction, gable end bracing, a hip roof, single or double roof straps, impact resistant glass, reinforced garage doors, window shutters, a secondary water resistance barrier, property opening protection and property topography.

The less damage your home incurs, the less amount insurance companies have to pay out. Insurance companies decided on these mitigation discounts to pass the savings along to you. With these discounts, homeowners usually save between 10% and 40% on their policies each year. If you haven’t had a Florida wind mitigation inspector come to your home, you can do it now to save on your insurance policy. Even if your policy is already in effect, your insurance company may refund some of your premium once inspection is complete and you receive certification from your wind mitigation inspector. Not every home is built the same, so insurance premiums shouldn’t be the same for everyone either. If your home is built to withstand damaging winds, call to see if you qualify for a Florida wind mitigation discount.

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