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.
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.
During a wind mitigation inspection, an AcuSystem Certified Inspector will review the following seven areas, documenting notes and pictures of the roofing system:
In the pursuit of a new home, buyers often find themselves immersed in a flurry of decisions and considerations. Amidst this whirlwind, the idea of a wind mitigation inspection might seem like just another item on an already extensive list. However, as we've explored in this blog, the benefits of getting a wind mitigation inspection for a new home are substantial and far-reaching.
By investing in a wind mitigation inspection, buyers are not only ensuring their safety but also potentially saving on insurance premiums over the long term. The insights gained from such an inspection provide a comprehensive understanding of the home's structural integrity, from its roofing materials to its anchoring systems. This knowledge equips buyers to make informed decisions about potential improvements that could enhance the home's resistance to high winds and storms.
Furthermore, in regions prone to severe weather, a wind mitigation inspection can be a crucial factor in the overall peace of mind of the homeowners. Knowing that their investment has been evaluated by a professional inspector for wind resistance can alleviate anxiety during stormy seasons.
In the end, the decision to get a wind mitigation inspection for a new home isn't just about the present moment; it's about establishing a solid foundation of safety and financial prudence for years to come. By partnering with a qualified home inspector and being proactive about wind resistance, buyers can ensure that their new home truly stands as a fortress against the elements. So, as you embark on your journey to homeownership, consider the advantages of a wind mitigation inspection – an investment that promises security, savings, and lasting peace of mind.