What is a Wind Mitigation Inspection?
A wind mitigation inspection shows how wind resistant your home is and it can save you big money on your home insurance.
A wind mitigation inspection is when a certified inspector checks your home’s wind-resistant features. These features include things like: the building codes followed when your house was built, the overall design of your home, the specific wind ratings for your doors and windows, the way your roof is attached to your home, and how your roof is sealed to prevent water from entering. Although a wind mitigation inspection is not required to get Florida homeowners insurance, getting one done can result in substantial savings.
Why Does a Wind Mitigation Inspection Save You Money on Home Insurance?
A wind mitigation inspection is the only inspection that can significantly reduce the cost of your insurance policy. That’s because this inspection can determine whether your home has features that drastically decrease severe property loss from hurricane wind. As always, the safer and stronger your home is, the lower your premiums may be.
All the features the inspector looks for may seem like minor details, but they make a world of difference when a windstorm or hurricane strikes. The appropriate wind mitigation features can be the difference between your home weathering the storm and a total rebuild.
That’s why most insurance companies highly recommend investing in wind mitigation features and getting a wind mitigation inspection before you apply for an insurance quote.
How Much Money Can You Save with a Wind Mitigation Inspection?
That depends on where you live and your home’s features. Along the coast, savings can range from a few hundred dollars to well over $1,000. Wind mitigation savings are most substantial in Florida because Florida requires insurers to offer these discounts.
The average cost of a wind mitigation inspection is about $100, which is usually more than offset by the insurance savings.