Understanding Wind Mitigation Inspection

It is an inspection that helps Florida homeowners to reduce the cost of their cheap home insurance premiums. Florida Statue 627.0629 states that, “a rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented.” The wind mitigation inspection is meant to save you at least hundreds if not thousands of dollars each year on your home insurance in Pinellas County.

How Much Could I Save?

Well, it depends on your property features. The licensed inspector will evaluate certain wind-mitigating characteristics of your beautiful home. He or she then submits an inspection report to your insurance providers. The report will be seen as a benchmark of your home’s ability to withstand heavy storm disasters, and the discount is then applied to your affordable homeowners policy.

What are Wind Mitigation Credits?

WM is the only inspection that is somehow guaranteed to result in some discounts on your home insurance in Pinellas County. Each credit can literally save you hundreds of dollars. There are 7 WM Pinellas credits to be had.

  • Was your home structure built on 2001or later?
  • Must have a wind resistant roof covering, installed on or after March 1, 2002
  • What’s the shape/geometry of your roof? A hip roof, flat roof or a gable roof? Is your roof properly built?
  • Are roof decks attached with large nails? There must be 8D nails spaced and a minimum of 6-inch space between them. Do your roof coverings meeting the FBC standards?
  • Is roof attached to the wall with hurricane clips/ straps.
  • Is there a Secondary Water Resistance (SWR) or known as (Additional) Secondary Water Barrier.
  • To get the wind mitigation credit, all glass doors and windows must have impact-resistant glass to minimize the breakage.

Invest With The Diverse Group

WM Inspections are a great Investment and cost-savings technique. Our knowledgeable agents can help you review your inspection report and determine what discounts you’re eligible to receive on your cheap homeowners policy. Don’t wait for the next hurricane to destroy your home and belongings. Get your WM inspection done and see how much you can save on your home insurance in Pinellas County.

If interested in getting better discounts, please fill out our ‘Get A Free Quote’ form available online at InsureFloridians.com or you can click here to contact our representatives who will be glad to hear from you.