The Wind Mitigation Insurance Inspection is the verification of the appropriateness of the structure construction in the event of a windstorm or hurricane and is a valuable service that might reduce your windstorm insurance premiums. Windstorm Mitigation looks for features reducing windstorm damage during a high wind event.
Wind Mitigation Inspections Fort Lauderdale Broward County, Hialeah.
FLORIDA BOARD OF PROFESSIONAL ENGINEERS.
COMPANY LICENSE (Certificate of Authorization): C.A 28738.
627.711 F.S. establishes that a Florida Wind Mitigation Verification form must be used by all insurers when submitted by policy holders for the purpose of factoring discounts for wind insurance.
Also, under 627.711 F.S., the home insurance companies shall clearly notify homeowners the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction / technique demonstrated to reduce the amount of loss can be or have been installed or implemented.
This Windstorm Mitigation can save you money in your windstorm insurance premium because the features enhance the vulnerable components of your home protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail.
What do the Wind Mitigation Techniques look for.
Building Codes (code existing when the property was built and compliance with hight velocity hurricane zone).
Roof covering (type of roof, Florida Building Code or Miami-Dade Product Approval, year of installation, permit number, etc.).
Roof deck attachment (truss/rafter spacing, roof decking type and thickness, nails/screws size and spacing, etc.).
Roof to wall attachment (type, amount and location of nails, etc.).
Roof geometry / roof shape (gable roof, hip roof, flat roof).
Secondary Water Resistance or Barrier.
Doors and Windows - Opening protection for glazed and non-glazed openings (garage doors, exterior doors, windows with impact resistance coverings or products listed as wind borne debris devices protecting against cyclic pressure and missile impact: shutters, impact glass).
What are the risks in Florida.
The hurricane season begins on June 1 and finished on November 30.
Floridians are at risk for exposure to high winds for five of twelve months of every year.
Sometimes, Florida can be at risk of a hurricane or tropical storm outside of the season.
High winds and water intrusion are the primary damages.
Through gable ends, soffit vents and poorly sealed windows and doors, water, as rain directed by varying wind directions, enters homes.
Mildew can develop within days once rain penetrates homes. In the same manner like water, damage can be caused by wind by entering the home through poorly sealed openings.
Wind damages homes by increasing pressure and causing uplift forces on the roof.
Windstorm construction attributes protect your home from catastrophic wind damage by strengthening your home ability to withstand the uplift, shear and lateral forces associated with a hurricane to the exterior shell of your building.
The construction features enhance the vulnerable components of your home protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail.
If this envelope is breached, rain and debris can enter your home causing considerable damage to its interior and exert pressure on your walls and roof can lead to catastrophic wind damage to your property.
What are the Florida laws.
The State of Florida enforces insurance companies to offer reduced insurance premium for homes with hurricane resistant features.
As per Florida Statutes, companies need to offer discounts or mitigation credits for construction techniques that can reduce losses due to wind damage.
These Wind Mitigation discounts became effective in 2003. The Office of Insurance Regulation (OIR) created the official Windstorm Inspection Mitigation Report Form OIR-B1-1802. Qualified home inspector needs to complete the form.
Doing this Mitigation Inspection is a must for homeowners because hurricanes are a real danger.
These Inspection Services can be performed for all single family homes, townhouses, condos and commercial buildings.
Homeowner's and Condo Associations also qualify for Mitigation credits.
Homeowners discounts for windstorm insurance are available for building with features that reduce wind damage.
The Wind Mitigation Features Discounts count because buildings with stronger resistant quality are homes with lower windstorm losses and lower losses represent reduced losses for the insurer that benefit the customers.
Over 85% of the existing homes qualify for homeowners insurance company discounts because they have one or more of the resistive construction features.
Homes designed after 1994 in Dade County and Broward or properties built after 2002 in the rest of the State usually qualify for significant credits because were built with many resistive construction standards.
Please call to schedule your Inspection. 4 Point Inspection is 50% off.
Home Inspector Service Area.
Wind Mitigation Coral Gables, Homestead, Kendall West, Kendale Lakes, The Hammocks, Aventura, Bal Harbour, Bay Harbor Islands, Key Byscayne, Biscayne Park, Cutler Bay, Doral, El Portal, Florida City, Golden Beach, Indian Creek, Medley, North Bay Village, Opa-Locka, Palmetto Bay, Pinecrest, Sunny Isles Beach, Surfside, Sweetwater, Virginia Gardens, Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Hallandale Beach, Hillsboro Beach, Hillsboro Pines, Hollywood, Lauderhill, Lighthouse Point, Margate, Miramar, Oakland Park, Parkland, Pembroke Pines, Pembro Park, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, West Park, Weston, Wilton Manors, Brownville, Calusa Club, Coral Terrace, Country Club, Allapattah, Coconut Grove, Liberty City, Little Havana, Wynwood, Country Walk, Fisher Island, Fontainebleau, Gladeview, Glenvar Heights, Golden Glades, Goulds, Ives Estates, Leisure City, Naranja, Ojus, Olympia Heights, Little Haiti, Design District, Palm Springs North, Palmetto Estates, Pinewood, Princeton, Richmond Heights, Richmond West, Sunset, Tamiami, The Crossings, Three Lakes, University Park, West Little River, Perrine, Westchester, Westview, Westwood Lakes, Andover, Bunche Park, Carol City, Coral Way Village, Dadeland, Green-Mar Acres, Hawlwy Heights, Howard, Lake Lucerne, Norwood, Saga Bay, Scott Lake, Boulevard Gardens, Broadview Park, Franklin Park, Roosevelt Gardens, Washington Park, Adyrondack, Andytown, Aqua Isles, Arlington, Avon, Azalea, Aztec, Bali, Bamboo, Barwal, Beverly, Birch Ocean Front, Bonnie Loch, Brezy, Brentwood, Carver, Carefree, Cheron, Chula Vista, College, Collier, Cresthaven, Crystall, Cypress, Dale, David, Palm Beach, Dell.