Everyone knows that before you buy a home you should hire a home inspector to check for structural, functional, and system issues. What many people don’t know is that there is another type of inspection that could be saving them money!
Home inspections are for the buyer’s peace of mind—knowing the true condition of the home they are purchasing. Some home insurance companies may require a home inspection to be completed before finalizing your coverage to ensure they are not insuring a home that is a high risk for future claims—or adjusting your premium accordingly.
What these home insurance companies don’t tell you is the other inspection service that could potentially provide you with savings on your home insurance premium—a Wind Mitigation Inspection.
This inspection determines how well the construction of a building will hold up under strong winds, such as those created during a hurricane. Homeowners aren’t the only ones who can benefit from this inspection; it is available for multi-family homes, condos and townhomes, and commercial buildings. This is different from a traditional Roof Inspection, where the age and condition of a roof are documented for insurance reasons.
Florida Law Is On Your Side
Did you know that for many years now there has been a law in Florida requiring insurance companies to offer discounts or credits for homes or buildings built or modified with features that can reduce damage caused by high winds?
Florida Statute § 627.711 provides the regulations for qualifying for this discount. A licensed home inspector must conduct the wind or windstorm mitigation inspection and complete a uniform mitigation verification inspection form. This form is then submitted to the home insurance company by the homeowner for the wind mitigation discount.
The purpose of this law was to provide assistance and protections for homeowners and property owners who were facing high premiums for buildings built to withstand high winds and were unlikely to file a claim for such reasons. When structures are built to withstand recurring natural disasters, like hurricanes, there are few claims and less damage following each event.
Wind Mitigation Inspection: What To Expect
During a wind mitigation inspection, an AcuSystem Certified Inspector will review the following seven areas, documenting notes and pictures of the roofing system:
Roof Covering: The current condition and the age of the roof are determined.
Roof Deck Attachment: Type of roof decking used for construction is determined and documented, as well as how it was attached to the underlying structure.
Roof-Wall Attachment: How the roof is attached to the wall is determined and documented.
Roof Geometry: The shape of the roof is determined and documented.
Secondary Water Resistance: Documentation of what type of barrier is in place to prevent water intrusion, should shingles be blown off the roof during a storm.
Point Of Entry Protection: Windows and doors are also reviewed for windstorm protection.
Build Code: The structure is compared to the building code to ensure it was built to meet Florida standards.