When buying or remodeling your home, you may have a long inspection checklist to ensure your home is safe for you and your family. When checking off that list, you may look over a wind mitigation inspection, as it is not required to get Florida’s Homeowners Insurance. Even though it is not a requirement, a wind mitigation inspection can save you money by avoiding storm damages and lowering your insurance while giving you a little more peace of mind in your home.
When you get a wind mitigation inspection done on your home, a certified inspector checks your roof’s wind-resistant features to better prepare for a hurricane. The inspection ensures your roof is attached and appropriately sealed, protecting your home from heavy winds and water. Even though Florida’s Homeowner Insurance does not require it, it is a good idea to get this inspection because it can reduce the cost of your insurance policy, especially if you live along the coast. Because hurricane winds can be drastic and result in significant damage to your property, a wind mitigation inspection can determine whether your home and its roof have the features to protect against a severe storm. Passing an inspection proves your home can be best suited against a hurricane and can then lower your home’s premiums.
Even though we all would like to avoid an upfront cost of an inspection, the damages, and a lowered insurance rate will quickly offset these charges in a short period of time. Based on statistics from the Florida Division of Emergency Management, 15% – 70% of home insurance premiums in Florida can be attributed to wind-damage risk. Taking extra steps to better barricade your home by getting wind mitigation can save a couple of hundred to even thousands of dollars in lowered insurance. Savings offset a wind mitigation inspection significantly, with an average cost of about 100$ upfront.
While saving on insurance and potential damages are great attributes, getting this inspection can give you peace of mind during that next storm. If you live on the coast of Florida, you are no stranger to what wind, water, tropical storms, and hurricanes can do to a home. Before blindly taking on this next hurricane season, keep your family’s safety in mind, and make sure your home is ready to fight against those damaging outside factors.
Is your home ready for the next storm? Don’t wait and find out before it’s too late. Protect your home and lower your insurance by getting a wind mitigation inspection today. Call us at (813) 643-8333 or request a free quote.
