When you live in a coastal state like Florida, you can save money on your home insurance premiums by hiring a certified inspector to perform a wind mitigation inspection. Wind mitigation involves performing whatever home repairs and renovations necessary to reduce the risk of damage and associated loss caused by the strong winds that often occur with storms and hurricanes in the region. Given the high number of coastal storms, a large portion of the costs related to most Florida insurance plans is related to the wind-related risk.
A wind mitigation inspector looks at a lot of different home features like construction materials, the presence or lack of shutters and other types of door and window coverings and roof design and slope. The inspector also checks if everything is to code. Once the inspection is complete, you’re given the opportunity to improve your home if necessary so that it can better withstand strong winds and result in a positive wind mitigation report.
Why is the report so important? According to the State of Florida, an insurer must reduce the cost of a homeowner’s insurance with a premium-level discount if the inspector submits to them a glowing wind mitigation report.
The knowledgeable insurers at Alliance Insurance can help residents of Sarasota and Charlotte counties better understand the safety and financial benefits of a wind mitigation inspection report. Contact them today for more details.