![]() ![]() MYSAFE HOME INSPECTION WINDOWSHurricane clips and/or straps that secure the roof structure to the supporting wallsįull or partial protection of windows and glass doors with impact resistant glazing or other protection methods. Roof decking that has been installed with larger nails or screws with closer spacing MYSAFE HOME INSPECTION CODEShingles or other roof coverings that meet the Florida Building Code requirements The Following Items are Building Features that Reduce Wind Damage. The discounted insurance rates in Florida apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing condo or home using the strongest options in the Florida Building Code. Lower windstorm losses equal reduced costs to insurance companies that are then passed on to the consumer. Wind mitigation discounts are justified because stronger, more wind-resistive houses have lower windstorm losses. Will You Qualify For Wind Mitigation Discounts? Therefore, the value of the discounts will increase with the value of the condo or home. The value of your condo or home – High value condos or homes have higher premiums. If your wind insurance rates are high, then the percentage discounts will be greater for a condo or house in a high rate area versus the same condo or house in a lower rate area. The location of your condo or home – Discounted wind insurance rates are adjusted according to where your property is located within the state. The discounts can be as high as 30% or more of the wind portion of the insurance premium. The number of wind resistive construction features present on your condo or home – The more wind resistive features you have, the higher the total discount will be for your property. The three main factors for wind mitigation discounts include: For exact quotes, you must contact your insurance agent or the individual insurance company in question. Premium determination is very complex and actual dollar discounts are not calculated here. Depending on where you are located in Florida, the windstorm portion is between 15% and 70% of the total premium. Wind Mitigation discounts are applied towards the windstorm portion of your total insurance premium. Other Wind Resilient Construction Techniques… Minimize Damage from High Wind Events like Tropical Storms andįull or Partial Impact Resistant Glazing on Windows ![]() Īll of the following structure types qualify for Wind Mitigation Inspections:ĭiscounts Occur when Dwelling Structures have Elements that The “My Safe Home” program was terminated in August of 2008. MYSAFE HOME INSPECTION PROFESSIONALBuyer should beware of prices that are simply too cheap for a licensed professional to conduct. With the “My Safe Home” program discontinued by the State of Florida, wind mitigation inspections should only be conducted by Licensed Building Contractors or Architects Certified by the State of Florida. The inspection usually takes less than an hour and the savings is usually in the form of a check direct from your insurance company within 3-6 weeks. A wind mitigation inspection verifies construction methods that create wind mitigation discounts based on those methods providing greater protection from wind hurricane damage. Windstorm Insurance rates are reduced substancially with a Wind Mitigation Wind Inspection. Wind Mitigation Wind Inspection By Wind Florida Can Reduce Your Insurance Policy Premiums Dramatically! ![]()
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