F.S.: 627.711 F.S. establishes that a Wind Mitigation form must be used by all insurers.
The Wind Mitigation Home Inspector determines the appropriateness of the structure’s construction in the event of a windstorm or hurricane.
This Mitigation Inspection can help you lower your windstorm homeowners insurance premium whether you live in a single family residence, duplex, townhouse or a condo unit.
Wind Mitigation Inspection Broward, Hialeah, Homestead, Florida
Our Company has a team of Professional Engineers and Home Inspector.
We have registration in the State of Florida and with many years performing professional home inspection services and providing signed and sealed inspection reports.
Most home insurance companies require a Verification of the key construction, secondary water resistance and roof features to qualify for these discounts.
Wind Mitigation Techniques determine the strength of the home in the event of a high velocity wind.
FORM OIR B1-1802 Windstorm Mitigation Discounts.
The Office of Insurance Regulation (OIR) created the official Report form OIR B1-1802 that is completed by a Professional Engineer or Inspector.
Under 627.711 F.S., after submitting the official form for this type of Home Inspection by policy holders for the purpose of factoring discounts for wind insurance, the insurance companies shall clearly notify homeowners the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction / technique demonstrated to reduce the amount of loss in a windstorm can be or have been installed or implemented.
The policyholders may be able to take actions to reduce their windstorm insurance premiums.
Windstorm construction features (roof covering, roof shape, roof deck attachment, roof to wall connections, garage doors, doors and windows opening protection) protect your home from catastrophic wind damage by strengthening your home ability to withstand the uplift, shear and lateral forces associated with a hurricane to the exterior shell of your building.
The Windstorm Mitigation features enhance the vulnerable components of your home protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail.
If this envelope is breached, rain and debris can enter your home causing considerable damage to its interior and exert pressure on your walls and roof can lead to catastrophic wind damage to your property.
Companies are enforced to provide windstorm insurance discounts for homes that have hurricane constructions that reduce the losses in a hurricane event.
Discounts are required to be submitted for damage reduction.
The discounts, due to this type of Inspection, are justified because stronger, more hurricane-resistive houses with the right technique have lower windstorm losses, and lower hurricane losses mean reduced costs to insurance companies.
The Wind Mitigation discounts provide some financial incentives for homeowners to strengthen their existing homes with the right technique and for new construction with the strongest options in the Building Code (FBC).
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