Wind Mitigation
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How Much You Can Save With A Wind Mitigation Inspection?
Wind mitigation is the process of adding features to your home that help withstand or increase resistance to high winds caused by a major storm or hurricane.
Wind mitigation discounts are applied toward the windstorm portion of your total insurance premium and depending on the location of your property, this portion can range from 15-70% of the total premium.
Why Wind Mitigation Can Save You Money
A wind mitigation inspection is the only inspection that can significantly reduce the cost of your insurance policy. That’s because this inspection can determine whether your home has features that drastically decrease severe property loss from hurricane wind. As always, the safer and stronger your home is, the lower your premiums may be.
All the features the inspector looks for may seem like minor details, but they make a world of difference when a windstorm or hurricane strikes. The appropriate wind mitigation features can be the difference between your home weathering the storm and a total rebuild.
That’s why Seacoast Building and Design highly recommends investing in wind mitigation features and getting a windstorm mitigation inspection before you apply for a quote.
Mitigation Discounts
Wind mitigation components can be added while others (the shape of your roof, for example) are harder to change. That said, these components are generally considered the “safest” for most homes and therefore lead to bigger premium discounts:
- Roofing materials and installation that meet Florida building codes.
- A roof-deck attachment with plywood / OSB sheathing with a minimum thickness of 7/16 an inch attached to the truss by 8d nails spaced 6 inches apart.
- A roof-wall attachment that uses double wraps (metal connectors that are attached to the wall frame and wrap over the top of the truss).
- A hip roof.
- Secondary water resistance under the roof sheathing,
- Impact-resistant coverings verified for cyclic pressure and large missiles (9 pounds for windows/doors and 4.5 pounds for skylights) overall glass openings.
After the wind inspection is complete, the inspector will offer suggestions that could improve the sustainability of your property.
You’ll likely receive the most savings if you take the inspector’s suggestions, which will also add to the value of your home – that’s never a bad thing! However, we’re happy to crunch the numbers and see how much you can save based on your inspection report alone.
Building code: Florida mitigation inspections forms asks whether your home was built in compliance with the Florida Building Code 2001 or later or South Florida Building Code 94.
Wind Mitigation Inspections are good for 5 Years.