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Ways to Save on Your Homeowners Insurance Policy Let us help you lower your windstorm premiums. By simply contacting us, we can determine whether or not you are eligible for discounts that can save you up to 40% off your windstorm insurance.
Guaranteed or the inspection is free.
Contact us.... for your one time inspection and save money now! You may even receive a refund check from your insurance company. Inspection fees are reasonable and you will receive your discount every time you renew your policy.
There are inspection fee discounts for multiple property owners and scheduling with a neighbor...so tell a friend!
Wind Mitigation Inspections are a valuable inspection service that may reduce your windstorm insurance. Insurance discounts are available for building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies.Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts.
The State of Florida requires insurance companies to offer REDUCED RATES for certain Hurricane resistant features.
We will document the features present in your home and produce a report for you to use in your request for reduced rates.
Windstorm construction features protect your home from catastrophic hurricane damage by strengthening your homes ability to withstand the uplift, shear and lateral forces of the wind associated with a hurricane to the exterior shell of your home. The features enhance the vulnerable components of your home's protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail in high winds. If this protective shell or envelope is breached, not only can wind-driven rain and debris enter your home causing considerable damage to its interior, but the high winds can enter your home and exert pressure on your walls and roof leading to catastrophic damage to your property.
What qualifies for an Windstorm Mitigation Insurance Discount : existing houses have one or more of these wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant credits.
A. Roof coverings, such as shingles that meet the FBC Requirements.
B. Roof decks that have been installed with large nails and close spacing.
C. Hurricane clips/straps that hold the roof structure to the walls.
D. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems.
E. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.
F. Newly Constructed Homes built to the Florida Building Code since March 1, 2002
G. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.
Please note that insurance companies may have more features that qualify for mitigation credits such as doors and gable end bracing.
To qualify for a Windstorm Mitigation Discount and/or rebate on your existing homeowner insurance policy, insurance companies require a licensed building professionals certification of the structure. Our $140 inspection fee will cover all related aspects of the inspection and certification.
We can also make suggestions on ways you might even increase your discount.
In the event you do not receive a discount and/or rebate that is at least equal to the cost of the inspection; we will promptly refund you the difference.
Please Note: We work directly with your Insurance Carrier in facilitating all appropriate wind mitigation discounts for your property.
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