What Is A Wind Mitigation Inspection?
In areas where high wind events are particularly common, insurance carriers are trying to do everything they can to reduce the number and the cost of claims. In Florida, one way they do that is by offering “wind mitigation credits” to homes that are well-defended against wind damage. These credits can then be applied to your homeowner’s insurance, resulting in some fairly substantial savings.
Would A Normal Inspection Qualify?
No, it wouldn’t. Insurers are looking for some very specific things here. Although a full home inspection does cover many of the same areas, it doesn’t capture exactly what insurance providers are looking for. For that reason, only wind mitigation inspections performed by a licensed home inspector can qualify for credits.
Will I Save Money?
So, a wind mitigation inspection can save you money, but will it save you money? This is what everyone really wants to know. It’s difficult to answer this as every home is different. There are, however, a few easily identifiable signs that indicate you would qualify for some credits. If your home:
- Was constructed after 2002
- Has a roof that slopes on all 4 sides
- Has wind-resistant openings (windows, doors, garages)
then you almost certainly qualify for some credits. Based only on these characteristics you would likely qualify for more as well, but you’ll need a detailed inspection to know for sure.
Are There Any Other Reasons To Get A Wind Mitigation Inspection?
The potential for homeowner’s insurance savings is first and foremost on everyone’s minds, but that’s not all this inspection is good for. In fact, there are a number of ways that it can benefit you — even if you don’t save a dime on your insurance.
First, you have to consider the peace of mind you get from knowing that your home is as safe as possible. High wind events can be devastating — and often deadly — so you need every advantage you can get.
The second thing to consider is the cost of potential repairs. These storms can leave unprotected houses in a pretty sorry state An inspection will give you the information you need to bulwark your home against wind, resulting in less damage and less spent on repairs in the long-term. These aren’t necessarily savings you’ll realize every month, but they can really add up over time.
If you’re planning on making your house into a home and living there for the long-haul, it would be wise to get a wind mitigation inspection. Not only do you save money month-to-month on your insurance, you also get the peace of mind that comes with knowing your home is as safe as possible.
If there are any weaknesses that open your home up to wind damage a thorough inspection from Super Inspection Pros will find them, making your home that much safer. Please, contact us today to schedule an inspection for your home or to learn more about our home inspections.
