Wind Mitigation Inspections are the staple inspection that we here at Pensacola Insurance Inspections perform. We have found that 99% of the time, this wind mitigation inspection produces tangible savings for our customers in the $300 to $1,000 range (savings can be as high as 81% of the wind portion of your homeowners insurance premium!)!
The wind mitigation piece of Florida legislation was originally enacted in March of 2003. Further enhanced in October of 2006, and became very widely known between July 1, 2006 and June 30, 2009 through the My Safe Florida Home Program. The MSFH program provided free wind mitigation inspections on nearly 500,000 Florida homes.
Many Floridians are taking advantage of the cost savings benefits determined from these seven different aspects of your home that get reported on the Florida Insurance Office of Regulation’s form IOR-B1-1802 (Most Recent Revision 01/12).
As a homeowner it is very important that you know what each mitigation credit is and that you have a “Wind Mitigation Inspection” on hand documenting each mitigation feature. Many insurance carriers are performing wind mitigation re-inspections and these re-inspectors are often not as motivated as “retail inspectors” who work directly for you, to find the proof/documentation of each component to be able to prove you deserve the discount. Many homeowners are being stripped of their credits due to not being properly prepared for these inspections combined with an often time less than caring re-inspector (note this inspector is being paid by the insurance carrier).
The following is not an exhaustive review of the inspection criteria; however it is a very thorough explanation of the most common features we run into during our inspections. There are always “outside of the box” situations and “gray area”, we always recommend a quality inspection company to assist you in determining what wind mitigation credits your home is deserving of.
To read more on Wind Mitigation Inspections, please visit this descriptive write up detailing the 7 categories of Florida’s Wind Mitigation Inspection. To order a Wind Mitigation Inspection, please contact Pensacola Insurance Inspections TODAY!
REBUILD Northwest Florida provides a Wind Mitigation Retrofit program to Escambia and Santa Rosa Counties that can help harden your home and help you save even more on your Wind Insurance. Read more about this program here.