Importance of Wind Mitigation Inspections for Homeowners
For homeowners, particularly those residing in hurricane-prone areas, wind mitigation inspections are a critical step in ensuring the safety and integrity of their homes. These inspections not only safeguard your property against severe weather but can also lead to substantial savings on homeowners insurance premiums.
What is a Wind Mitigation Inspection?
A wind mitigation inspection is a thorough evaluation of a home’s ability to withstand high winds and hurricanes (in particular, objects flying through the air at high speeds or what the industry refers to as “missiles”). The inspection focuses on several key areas including the roof condition, windows, doors, and overall structural integrity. The goal is to identify features and improvements that can reduce the risk of wind damage.
Key Areas of Focus
During a wind mitigation inspection, inspectors will closely examine the following: The inspector will look at the windows. Are they impact or do they have coverings that are impact rated. What shape is the roof? A classic gable roof or a hip roof shape (or a mix of the two?). What is your roof covering? How well is the roof secured to the frame of the house? Etc.
Cost Savings on Homeowners Insurance Premiums
One of the most compelling reasons to invest in a wind mitigation inspection is the potential for significant savings on homeowners insurance premiums. According to data from the Insurance Information Institute, homeowners can save up to 20% on their insurance costs by making wind mitigation improvements.
Case Studies
Consider the case of the Smith family in Florida. After a wind mitigation inspection identified several areas for improvement, they added hurricane straps, upgraded to impact-resistant windows, and installed storm shutters. These changes not only enhanced their home’s safety but also resulted in a 25% reduction in their annual insurance premium.
Preparing for a Wind Mitigation Inspection
Homeowners can take several steps to prepare for a wind mitigation inspection: Inspectors will need to access the attic so be sure that there are no obstacles to attic entry and that a ladder can be placed where it needs to be. Try to have your metal shutters accessible for photos and inspection. Are side gates unlocked to allow for easy access to all sides of the home?
Common Upgrades to Improve Wind Mitigation Scores
To improve your wind mitigation score, consider the following upgrades: Impact windows or rated shuttering systems help a great deal with premiums reduction. The other big factor that moves the needle on savings is your hurricane straps or technically the roof to wall connections. The cost to upgrade those as compared to the savings makes a lot of financial sense.
Finding a Qualified Inspector
Finding a qualified inspector is crucial to ensuring a thorough and accurate wind mitigation inspection. Here’s a step-by-step guide:
- Research: Look for inspectors with certifications from reputable organizations such as the International Association of Certified Home Inspectors (InterNACHI).
- Read Reviews: Check online reviews and ask for references from previous clients.
- Verify Credentials: Ensure the inspector is licensed and insured.
What to Expect During the Inspection
During the inspection, the inspector will typically spend 45 min. evaluating your home. They will take photos and notes on the various wind mitigation features and provide you with a detailed report outlining their findings and recommendations.
By understanding the value of wind mitigation inspections, homeowners can take proactive steps to protect their homes and save money. With the right preparation and improvements, you can enhance your home’s resilience against severe weather and enjoy lower insurance premiums.