Wind Mitigation
What is a Wind Mitigation?
Wind mitigation inspections are in place to evaluate a home’s construction and assess its potential resistance to forces brought by hurricanes and other categories of windstorms. The inspection verifies type of roof, roof-to-wall connections (clips, straps, toe nail, single or double wraps, etc.), braced gable ends, secondary water barriers, reinforced wall construction and openings (shutters, impact resistant windows and doors; including garage) protection.
Florida law Statute 627.0629 requires insurance companies to offer homeowners unprecedented savings on their home insurance premiums. In order to qualify homeowners must receive a State Certified home Wind Mitigation Inspection. Wind mitigation discounts are justified because stronger, more wind-resistive houses incur lower windstorm losses. Lower windstorm losses represent reduced costs to insurance companies that are then passed on to the consumer.
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This online tool provides homeowners and builders with a general indication of the types of wind insurance savings available from Florida insurance companies for building features that reduce damage during high wind events like hurricanes.
