Wind Mitigation Inspections Florida

Wind Mitigation Inspections as of February 1, 2012 all the forms have completely changed. Just about everyone in the state of Florida home owner insurance rates have sky rocketed. More and more home owners are changing insurance companies and shopping rates. Wind Mitigation Inspection can reduce your insurance rate if your home meets the requirements for Discounts.

If you stay with your original insurance company, having had wind mitigation’s inspection in past, the inspection is good for five years from the date of inspection.

If you are switching companies they are going to require you to have a new inspection, this inspection will now have to be completed on the new 2012 form.  This inspection is also good for five years from the date of inspection.

Wind mitigation inspections in Florida are becoming the standard before you receive insurance.  The concept behind the wind inspection is to give the insurance companies a clear picture of how well the structure/building envelope of your home is built according to the findings of the home inspector. When you hire a home inspector you want to make sure they are qualified.

What does an inspector look at?

  • Shingles
  • Roof Decking
  • Roof Framing Gable End Bracing
  • Nail sizes for roof decking
  • Nail patterns use for roof decking
  • Hurricane strapping
  • Windows
  • Doors
  • Garage Door
  • Storm Shutters

These are just some of the things your inspector is going to look at, so remember when you hire an inspector you don’t want an amateur filling out your paper work.

Remember if you save few dollars on a wind inspection it could cost you  hundreds of dollars on your insurance if done wrong

 My back ground is Construction, I hold multiple licenses

State Certified Residential Contractor CRC05600

  1. State Certified Home Inspector License
  2. NACHI National Association of Home Inspectors
  3. State certified mold assessor

By: Darren H Bryant

According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners “discounts, credits, or other rate differentials…” for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims.


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