Category Archives: Broward Windstorm Mitigation Inspection

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Wind Mitigation Inspection saves me money on homeowners insurance.

Wind Mitigation Inspection – How can wind mitigation inspection saves me on my homeowners insurance.

You are a Florida resident – Florida state exhibits tropical storms and hurricanes every summer and fall.

Wind Mitigation InspectionMany home owners receive wind mitigation inspections to assess the preparedness of their homes and businesses in resisting the effects of windstorm damage or loss. Interestingly, even in Florida, wind mitigation inspections are not required by insurance companies or mortgage lenders – it’s totally optional, unlike some derivative of the four-point home inspection (which assesses the status of a property’s electrical, HVAC, and plumbing systems plus the roofing) or a more intensive roof condition inspection. So why would someone want to order an extra inspection if it isn’t 100% needed? Because it could save you money!

That’s right – SAVE YOU MONEY. Wind Mitigation Insurance is the only inspection that is almost guaranteed to result in some level of insurance discount on your insurance premium.

Here is why – Following an intensely active tropical storm season and resulting all-out battery on the US, a handful of insurance companies not-surprisingly went bankrupt over mounting claim and reparation costs. Officials in states like Florida and Louisiana, hard hit by strong storms like 2004’s Charley and Ivan and 2005’s Katrina and Rita, saw an exodus of insurance companies and homeowners left high and not-so dry. They knew they needed to do something to help property owners and insurance companies alike… FAST.

Their solution: Incentivizing wind mitigation inspections as a means of properly safeguarding properties in targeted areas, in the hopes that insurance companies increase their odds of insuring more secure, less damage-susceptible properties

In 2006, Florida became the first state in the nation to mandate that insurance companies offer some reduction insurance costs if a wind mitigation inspection is sought and certified upon review by a qualified inspector (usually a board-certified inspections contractor)

So you’re wondering – Do I just get an inspection and save on insurance? And how much could a person stand to save?

Well, that all depends on the features of your property. An inspector will evaluate the wind-mitigating characteristics of your home or business. Post-inspection, that inspector will make recommendations for any improvements or repairs the property owner could make on their home to enhance its sustainability against windstorm damage. He or she then submits a state-standard inspection report to your insurance agency. The report is viewed as a benchmark of your home’s ability to withstand storm damage, and an appropriate discount is then applied – in Florida, an average discount of 30% is typical, saving a few hundred to over $1000 annually on your insurance premium.

Every state can vary on what safety features inspectors look for. As an example, Florida looks at 8 key categories, described below:

Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes. In Florida, the code standard was updated in 2001.
Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, like if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the better impact on your wallet!
Roof Geometry: is your roof hip or not? Nope, the inspector won’t care how cool it is, just how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.
Wall Construction Type: Inspectors will review the construction materials used on your home for framing, reinforcement, and outer fascia, and at what percentages. Steel reinforced concrete block homes may yield a better discount than one with a plywood-only frame and plastic siding.
Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area.
Opening Protection: Here, inspectors are looking for impact rated shutters or impact windows and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings need to be covered with Hurricane rated protection to qualify for this discount.
In the end, investing in a wind mitigation inspection is at your own discretion. The potential cost-savings per year could easily outweigh the cost. If you live in a coastal region, avoiding a wind mitigation inspection is at your own peril.


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Lower Home Insurance Premium by Installing Hurricane Shutters

How to Lower Home Insurance Premium

Insurance companies offer discounts to homeowners for home improvements, these includes Installing Hurricane Shutters. If you live in a hurricane prone zone, you may qualify for a discounts by wind mitigation improvements, including installing wind resistant shutters that can save you up to 30% percent on your Home Insurance Premium. Adding Hurricane Shutters can minimize your damage risk and save you money.

After Hurricane Shutters installed call Cris Home Inspections Agency and schedule a Wind Mitigation Inspection. A complete Windstorm Mitigation Inspection is fully-recognized by Insurance Companies, is best attained through a dedicated Home Inspection business.

A Windstorm Mitigation Inspection can help look for construction features that will reduce losses in hurricanes, such as concrete block construction, shutter and opening protection, roof to wall attachments gable end bracing, hip roofs and hurricane clips. Windstorm Mitigation Inspector look into the advantages of how it can help you save money. Homeowners also gain expert knowledge on how they can physically improve their homes to withstand the forces of nature. In case a storm actually does materialize with the potential to damage their property, homeowners can save money if their properties have structures that can withstand those storms and avoid damage, which ultimately affects the calculated Insurance premiums.


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Windstorm Mitigation Inspection can save you money.

Windstorm Inspections
Windstorm Inspection

 Living in sunny South Florida our homes are located in a storm-prone area, and because of that Homeowners Insurance becomes a little bit more of a complex issue.

The Complexity relates to storm threats inflating your Home Insurance premiums, because storms are such a big Insurance and financial risk.

All is not lost however.

You definitely don’t have to subject yourself to higher premiums even if we are located in an area that is vulnerable to damaging windstorms and hurricanes. 

A Windstorm Mitigation Inspection, will help to determine what credits you receive on your Homeowners Insurance premium. 

What is a Palm Beach Windstorm Mitigation Inspection?

A Windstorm Mitigation Inspection is an official protocol through which Inspectors assess your home. This is carried out with a visual Inspection to determine how appropriate your home’s building structure is in withstanding the effects of strong winds such as hurricanes, tornadoes or windstorms.

Money Saved through Windstorm Mitigation Goes Beyond Homeowners Insurance While the money-saving implications of a Windstorm Mitigation Inspection are primarily linked to the savings on the policy premiums. Homeowners also gain expert knowledge on how they can physically improve their homes to withstand the forces of nature. In case a storm actually does materialize with the potential to damage their property, homeowners can save money if their properties have structures that can withstand those storms and avoid damage.

Call us today to schedule your next Inspection – Phone #561-393-9977 


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Why get a Windstorm Mitigation Inspection on your home?

Windstorm Mitigation Inspection is the only inspection that is almost always going to result in some level of insurance discount on your insurance policy premium. A Windstorm Mitigation Inspection is for homeowners that are trying to reduce their Home Insurance rates up to 50% off the original policy premium

If your home has undergone a Windstorm Mitigation Inspection you are potentially eligible for insurance discounts or credits from insurance companies.Insurance companies increase their odds of insuring more secure, less damage-susceptible properties in targeted areas.

If you have not had a Windstorm Mitigation Inspection on your home, chances are you are paying too much for your windstorm insurance! Having your Windstorm Mitigation Inspection today on your home could translate to savings and give you a peace of mind.

In Palm Beach County if your home was built on or after January 1st, 2012 you are eligible for minimum FBC 2001 credit.
In Broward/Miami-Dade if your home was built after 1996, you are eligible for an opening protection class C credit. If your home was built after 2002 or later you are eligible for opening protection class A credit.

Here are something’s that the Inspector will look at during a Windstorm Mitigation Inspection of your home.

Age of the home
Roof Covering – When was the roof installed and does it meet South Florida building codes.
Windstorm Mitigation Inspection Roof Covering

 

 

 

 

Roof Deck Attachment – What type of roof decking is used and how it is attached to the underlying structure.
P1260130Windstorm Mitigation Inspections

 

 

 

 

Roof to Wall Attachment – How the rafters/trusses are attached to the wall top plate.
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Roof Geometry – What type of roof your home has (example: Hip, Flat or other.)

Opening Protection for Doors & Windows – Shutters or impact resistant coverings or products.

 Call us today to schedule your next Inspection… Phone #561-393-9977


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How a Broward Windstorm Mitigation Inspection can save you money…

Windstorm Mitigation saves you money

Windstorm Mitigation saves you money

 

 

 

How a Broward Windstorm Mitigation Inspection Can Save You Money

 

Living in sunny South Florida our homes are located in a storm-prone area, and because of that Homeowners Insurance becomes a little bit more of a complex issue.

The Complexity relates to storm threats inflating your Home Insurance premiums, because storms are such a big Insurance and financial risk. All is not lost however.

You definitely don’t have to subject yourself to higher premiums even if you’re home is located in an area that is vulnerable to damaging windstorms and hurricanes.

A Windstorm Mitigation Inspection, will help to determine what credits you receive on your Homeowners Insurance premium.

 

What is a Broward Windstorm Mitigation Inspection?

 

A Windstorm Mitigation Inspection is an official protocol through which Inspectors assess your home. This is carried out with a visual Inspection to determine how

appropriate your home’s building structure is in withstanding the effects of strong winds such as hurricanes, tornados or windstorms. During the Inspection, the four

major components  in your home are zoned-in on and we focus on a selection of established construction features which have the ability to limit losses during

wind storms or hurricanes.  

A Windstorm Mitigation Inspection could be commissioned by an Insurance Company, or it can be initiated by the homeowner.

A homeowner should get the Windstorm Mitigation Inspection because this would be a step to reduce the Policy Premiums and give you peace of mind

knowing that your home is safe. Since Insurers themselves are justifiably notorious for offering increased premiums to homeowners in hurricane

high-risk areas, it becomes imperative for homeowners to take this initiative.

 

A complete Windstorm Mitigation Inspection, which is certified and fully-recognized by Insurance Companies, is best attained through a dedicated Home Inspection

business such as Cris Insurance Inspections..We specialize in Residential Inspections such as:

 

  •  4 Point Inspection
  • Citizens Roof Certification Inspection
  • Home Inspection
  • Windstorm Mitigation Inspection

 

Money saved through a Windstorm Mitigation goes beyond Homeowners Insurance,  Homeowners also gain expert knowledge on how they can physically improve their homes

to withstand the forces of nature. In case a storm actually does materialize with the potential to damage their property, homeowners can save money if their properties have structures that can

withstand those storms and avoid damage.

 

Any subsequent upgrade, contract job adjustment, reconstruction or improvement not only better equips the building to deal with possible wind damage, but can also be

worked into one’s Home Insurance premiums quote. At the end of the day, insurers assess the amount of risk tied to their contractual arrangement with homeowners.

A Windstorm Mitigation Inspection plays a major role in reducing that risk, which ultimately affects the calculated Insurance premiums.

 

                                                  Call us today to schedule your Inspection phone #561-393-9977 

 

Save money.

Save money.

Get a Windstorm Mitigation Inspection

Get a Windstorm Mitigation Inspection

Call us today.

Call us today.

 

 

 

How a Broward Windstorm Mitigation Inspection Can Save You Money.


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Recommended Links

Eaton Insurance
Phone (561) 966-1848
www.eatoninsurance.net

Furman Insurance
Phone (954) 943-5050
www.furmaninsurance.com

Real Estate Agent
Mark Baker
Phone 561-336-6333
www.buyingpalmbeachhomes.com