Wind Mitigation Inspection

ALL Insurance Carriers Operating in the State of Florida (Florida Statute 627.0629), are required to offer Florida homeowners "discounts and credits based on existing construction features..."  Over 90% of existing homes, even older homes, already have one or more of the qualifying Wind Mitigation features.  For homes built since 1970, that number grows to 99%.  As for the amount of savings, it varies. Though the average savings for our clients has been 30% it's common to see savings in the 40% to 50% range. These numbers sound unbelievable, but they’re true!

A Wind Mitigation Inspection is a valuable inspection service that may reduce your windstorm insurance. Wind Insurance discounts are available for building features that reduce damage during high wind events. The Wind Mitigation discounts are justified because stronger, more wind-resistive structures have less damage during windstorms, which mean reduced costs to wind insurance companies.  The South Florida Building Code with its hurricane mitigation provisions was implemented in September of 1994. In 2002 the improved structural portions of the South Florida Building Code were absorbed into the Florida Building Code as the High Velocity Hurricane Zone (HVHZ) provisions, which are applicable within Miami-Dade and Broward Counties. Most existing structures have one or more wind resistive construction features and may qualify for some Wind Mitigation insurance discounts. Miami-Dade and Broward homes have had these wind resistive features since the 1994 South Florida Building Code went into effect after hurricane Andrew.  

In Florida, for example, premium wind discounts for certain favorable wind mitigation features are mandated by Florida State law and may total 50% of the original windstorm policy's premium. An approved wind mitigation inspector will document your homes wind resistive features and provide a wind certification report using the required " Uniform Mitigation Verification Inspection Form (OIR-B1-1802 ,Rev.02/10)". A homeowner with wind insurance can submit the results of the wind mitigation inspection to their wind insurer to obtain discounts on their windstorm insurance.  

Wind Mitigation Inspections are available for all single family homes, townhouses, condos and commercial/residential buildingsHomeowner's and Condo Associations also qualify for wind premium discount credits. Call to see if a wind inspection would be recommended. There are wind inspection fee discounts for multiple property owners and scheduling with a tell a friend, family member or anyone else that owns a home or condo that you would like to see benefit financially from this inspection...

Call today to schedule a Wind Mitigation Inspection

              (941) 722-2221