Wind Mitigation Inspection
Wind Mitigation has become very important to homeowners due to the savings that could occur from such inspection. At completion of the inspection the data is then supplied to the home owner’s insurance company who then apply any applicable credits towards the homeowners insurance. Your inspector can also point out items on the report that that are affecting your insurance cost in a negative way and suggest ways to improve the home. If you have never had a wind mitigation inspection preformed on your home you should at a minimum recover the cost of the inspection in your first year’s savings alone. Inspection Price
Here are the components of the Uniform Mitigation Verification Inspection Form
This section covers the type of building code the and year of the home was constructed.
This section covers the roof covering type and the year it was installed, updated or repaired.
These are actually two separate section which covers the weakest form of roof deck attachment installed on home and the weakest roof to wall connection installed.
This section would cover the type of roof you have. For example, Hip, Gable or a combination different styles.
This section cover the type of Secondary Water Resistance you have installed if any. This would be like a peel and stick material that would have been installed prior to the home being roofed with shingles or tiles.
This section will cover the type of shutter, screen or impact glass protection you have over your openings. Like windows, doors and the garage door.
Savings on windstorm insurance premiums are available to homes built or retrofitted after tougher building codes were in place. In order to realize these discounts, your home must be inspected by a state licensed contractor who must then fill out a Uniform Mitigation Verification Form. Once the completed and signed form is provided to your insurance company, they must apply available discounts to the windstorm portion of your insurance premium. Windstorm mitigation credits can reduce your overall insurance premiums more than any other single factor.
There is also, a very informative website for Homeowners so you can better understand how the Wind Mitigation could impact your Insurance. You can visit the website with this link: Wind Insurance Calculator
