Wind Mitigation Inspections
There is a fairly new wind mitigation inspection form, revised as of 2/2012. The older form and this form are not very different. The newer 2012 Wind Mitigation Form is available on this site. Some insurance companies will not accept the older version of this form.
Uniform Mitigation Verification Inspection Form & Report
Wind Mitigation Inspections: Florida homeowner's insurance companies offer premium discounts based on a home's level of wind resistance. These windstorm mitigation inspections are used to determine whether specific protective reinforcements are in place.
After the inspection, the homeowner provides a copy of the wind mitigation inspection report also known as the Uniform Mitigation Verification Inspection Form to their insurance company.
Once the insurance company receives the report documenting that the home meets certain minimum criteria for wind resistance, discounts are immediately applied to the homeowner's insurance policy.
Even though it may be impractical, if not impossible, to completely change the style of a roof, knowing that a hip style roof receives the most insurance discounts may help a prospective home buyer consider which home to buy.
All else being equal, a home buyer may consider choosing a house with a hip roof over a house with a gable, flat, gambrel or mansard roof style, because of the available insurance discounts.
Other items on the wind resistance and mitigation report, such as opening protection, are within the control of the homeowner.
Section 9, which addresses opening protection has numerous subsections and opportunities for possible insurance discounts.
The inspector is looking for glazed (glass) openings such as windows and doors that have specific ratings.
Miami-Dade ratings for windows and doors is the best, but there are also discounts available for other types of ratings.
Homeowner's insurance in Florida is expensive, even when the home is not located directly on or near a coast.
A modest home approximately 1500 square feet, two miles inland on either coast, can easily cost between $1500 and $2500 per year to insure.
A favorable wind mitigation inspection may save a homeowner as much as $500 per year every year on their homeowner's insurance. Even a Gecko would be proud.
So, not only does the inspection more than pay for itself in the first year, but the cost of any improvements are offset by the insurance discounts.
Ask Stuart Tick, Home Inspector, your questions about home improvement, home renovation, do-it-yourself projects, home repairs, or anything else related to homes that you need to know.