Wind Mitigation in Venice, Sarasota, North Port, and Surrounding Areas
Wind Mitigation Discounts for Homeowners Insurance
One weather hazard that almost no home is immune to is wind. This is particularly true in states like Florida, where weather conditions can often lead to high wind speeds. When high winds occur, they can often cause significant property damage that might be extremely expensive to repair.
Though most home insurance policies will cover household damage from wind, the cost to insurers is often enormous. Policyholders are encouraged to make their homes more secure against wind damage. One of the ways to do so is to implement wind mitigation techniques around your property.
Ramey Insurance clients who want to improve their home insurance risk ratings should consider the benefits of a wind mitigation inspection. By having an inspection, you can document your home’s strength against wind damage risks, and you might be able to save on your home insurance premiums. We’re here to help you determine if this inspection is right for you.
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Common Wind Mitigation Insurance Questions
What Is Wind Mitigation?
Wind mitigation is the process of reducing the likelihood of your home suffering damage during windstorms. Homeowners and builders add features to help homes withstand high winds.
Here in Florida, we face considerable risks of hurricanes and other severe storms that could leave widespread areas with considerable wind damage. The costs of repairing wind damage is often astronomical, particularly to home insurers. If you make your home more secure against wind damage, you can often reduce property damage risks both for yourself and your insurance company.
What Is A Wind Mitigation Inspection?
During a wind mitigation inspection, a certified inspector checks your home’s wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home, to how your roof is sealed to prevent water from entering. Though a wind mitigation inspection is not required to get Florida homeowners insurance, it can result in substantial savings.
When you undertake wind mitigation practices, you might reduce the likelihood that you will have to make a homeowners insurance claim for wind damage. Plus, even if you do have to make a claim, the cost might be substantially lower than one on homes that have not undergone wind mitigation.
Either result might prove a lower cost risk to your insurer. Therefore, most encourage clients to do all they can to prevent wind damage in the home. The place to start is by speaking to your insurance agent. For example, if you have replaced your roof within the past 10 years, call your agent. A wind mitigation inspection could save you money.
A wind mitigation inspection form considers seven indicators of your home’s ability to withstand strong winds. All Florida inspection forms ask about the same seven features of the home:
- Building code
- Roof’s gabling, covering and bracing
- Roof-deck attachment
- Roof-to-wall attachment
- Roof geometry
- Secondary water resistance
- Opening protection
Once an inspection is done, the report will need to be sent to the agent. The agent will then submit to your carrier where it will be processed for any credits available.
Does A Wind Mitigation Inspection Help Me Save On Insurance?
The safer and stronger your home is, the lower your premiums may be. A wind mitigation inspection can help your insurer gauge exactly how secure the property is. As a result, they might be able to offer you a reduced rate on your plan.
Wind mitigation inspections are usually good for five years. You will periodically have to repeat an inspection to be able to continue to receive savings on your plan.