Save 20% to 40% on Your Homeowner's Insurance Premium by Certifying that Your House has some or All of the Wind Mitigating features every Florida house already has.
.1. Truss Straps or Truss Clips - Almost all Florida Houses have one or the other.
2. Hip Shaped Roof (Pyriamid Shape = Hip Shape +++ Dog House = Gable Shape)
3. Plywood roof deck is nailed to the trusses. A rare few were stapled.
4. Roof shingles or tiles installed to meet Florida Building Codes. Most Are.
5. All glazed window or door openings protected with Storm Shutters.
A. Hurricane - Engineered Impact Resistant coverings on ALL openings.
B. Basic - Small Missile Impact Resistant coverings on ALL openings.
C. UnRated - Do It Yourself Aluminum Storm Panels on ALL openings.
D. Wood Panels - 1/2" plywood pre-drilled with wall anchors on All openings.
6. Secondary Water Resistance - Rolled roofing under new shingles - Very Rare.
Even if you don't have all of the above, you can get rate reduction credits for those features you do have. There are a few other questions asked, depending on the Insurance Company, like the wind zone in which you are located or what year the house was built. Most Insurance Companies give graduated credits for good, better, and best wind mitigation features and some do give a small credit for properly prepared plywood storm panels.
How to Get Insurance Credits
Contact your Insurance Agent. Tell your Agent that you wish to apply for Wind Storm Mitigation Credits for your Homeowner's Insurance Policy and request a Wind Mitigation Certification Form. Ask your Agent about the savings you could expect depending on the mitigation features of you house All Insurance Companies are required by Florida Law make these credits available to their customers. The Insurance Companies require that the Uniform Mitigation Verification Inspection Form be completed and signed by an Architect, or a Structural Engineer, or a Florida Certified General Contractor or a State Registered My Safe Florida Home Inspector.
I am a Florida Certified General Contractor and have been performing Home, Bank, and Insurance Inspections on the Treasure Coast for the past 9 years. I charge $100 to perform the Inspection and Certification, and that is the average going rate for our area. You'll most likely save 3 to 10 times that amount, each year, for up to 5 years before you'll need re-certification.
Please call 772-873-9701 for more information or to schedule an appointment
Serving St. Lucie County, Martin County, Indian River County
A. Hurricane - Engineered Impact Resistant coverings on ALL openings.