What does “Wind Mitigation” mean?
“Wind Mitigation” is the process of adding features to your home that help withstand or increase the resistance to high winds caused by major storms or hurricanes. Some of these features may be integral to the home and were included during the construction process, such as Hurricane Straps or Ties that are tied in during construction. Others features may be added on by the homeowner during a re-roof such as water barriers that seal the roof deck or simply window and door coverings (shutters) that can prevent flying debris from penetrating the home, allowing more moisture and damage to the interior of the home.
I know my home has some of these features, so why do I need an Inspection to tell me what I already know?
In Florida, a Wind Mitigation Inspection/Evaluation can only be performed by a licensed General Contractor, Building Contractor, Architect, Engineer, Building Inspector, or Home Inspector. As the homeowner, you can receive substantial “credits” with your Insurance Company for having such features on your home. This means that you can save money on your Homeowner’s Insurance Premium!
“According to the Florida Division of Emergency Management, 15-70% of Home Insurance Premiums in Florida can be attributed to wind-damage risk.”
So outfitting your home with Wind Mitigation features, while upfront may cost you, in the long run will save you money and make your home more desirable to potential buyers should you ever decide to sell!
Will I get a Wind Mitigation Report from the Inspector?
Yes! As required by the State, you will receive a completed “1802 Form.” It will include photos of the various Wind Mitigation features your home currently has. You, as the homeowner, will then submit a copy of the form to your Home Insurance Company.
How much does a Wind Mitigation Evaluation cost?
Considering the added peace-of-mind, not to mention insurance savings, the Inspection is very reasonable. Wind Mitigation Evaluations begin at $100 and can increase from there depending on the size of the structure and type of construction.