Same Policy, Less Premium

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Why get a Wind Mitigation Inspection?


This inspection will save you money! There is a 90% chance we can help you reduce the price of your current homeowners insurance policy (this is why our tag line is “Same Policy, Less Premium”).


We don’t sell insurance; we help you to save on your current policy by certifying your home's current construction features that qualify for discounts. There are eight features that qualify, and if your home has one or more of them, you save money. All it takes is a 20-minute inspection, it has nothing to do with home improvements or adding shutters!


Sounds too good to be real, how does it work?


Florida Law (FL § 627.0629) requires insurers to give “discounts, credits, or other rate differentials” if you provide certification that your home has one or more construction features proven to reduce damage and loss in windstorms.  These discounts are to be applied for 5 years.  We welcome you to read through this website and then call us, or ask your insurance agent to verify what we’re saying.


What if my agent says I’m already receiving these discounts?


This is a common error and an innocent one as it relates to your agent. The only likely way that this is true is if your home was built in 2006 or after. Here’s a recent example of how this can happen:


One of our clients owns a local insurance agency, in business for over thirty years. His home was built in the 1940s, so he figured it was too old to be eligible for discounts…but he checked with his insurer anyhow. He was told that he was in fact "already receiving the discounts" he was eligible for. A few months later, in the course of doing a standard home inspection, we also checked for wind mitigation credit features, and completed the appropriate form so he could submit it... just to be sure.


As a result, his premium dropped 44%, from $5000 per year to $2800. Keep in mind; he owns an insurance agency, checked with his carrier, and has a home that is over 60 years old!


How do I know if my home qualifies?


Statistics show that in excess of 9 out of 10 homes will qualify for one or more credits! To date, we've completed over 2,000 wind inspections, and of those homes built since 1970, 100% of them qualified for at least one discount credit!

Only a wind mitigation inspection by a licensed inspector will qualify your home for these discounts.


Does this also apply to multi-family residences?

Yes...ALL residential dwellings are eligible; from duplexes to high-rise condos.

How about rentals, second-homes, or other investment property?


Yes. So long as its residential, the law provides for these discounts.


What gets inspected?

The inspector will survey the exterior of the dwelling, and inside of the attic space.


*           Roof Shape

*           Roof Covering

*           Roof Deck Attachment

*           Roof to Wall Connections (in attic)

*           Exterior Walls

*           Opening Protections (Impact Rated windows, doors, and/or shutters)

©2008 Wind Inspections, LLC. All Rights Reserved.