A home inspection is most essential to provide homeowner’s insurance in coastal region. It is also called as windstorm inspection, windstorm mitigation inspection, windstorm insurance inspection or wind mitigation inspection. This inspection determines the appropriateness of a given structure’s construction in the event of strong winds such as hurricane, tornadoes etc, which are very common in the coastal areas of the Southeastern United States. Homeowners may use an inspection to potentially lower their premium rates. For example, Florida offers a discount to homeowners who “disaster proof” their homes. Homeowners must pass a wind mitigation inspection that includes inspecting windows, doors, roofing design and materials and storm shutters.
The Wind Mitigation Inspection Form
The information gathered is presented on a form known as the Uniform Mitigation Verification Inspection Form (OIR-B1-1802, commonly referred to as the 1802 form, affected from Feb 1, 2012), with photos showing each feature listed on the wind mitigation form. After the inspection, the homeowner provides a copy of the inspection report to their insurance company.
The Uniform Mitigation Verification Inspection Form includes nine main sections, with detailed subsections within each section. The nine main sections in the Wind Mitigation Verification Form are: (1) Building Code, (2) Predominant of Roof Covering, (3) Roof Deck Attachment, (4) Roof Wall Attachment, (5) Roof Geometry ,(6) Gable End Bracing Type, (7) Wall Construction Type, (8) Secondary water resistance (SWR), (9) Opening Protection.
For further information on how you can save money on your homeowners insurance through use of this form contact DMG Insurance and Financial Services, Inc.( http://www.dmginsurance.com ) at 543 N state Road 7, STE 106, Royal Palm Beach EL, 33411, phone 561 422 7071 , Fax 561 422 7072.
What qualifies for a Windstorm Mitigation Insurance Discount
Many existing houses have one or more of these wind mitigation construction features and may qualify for some wind insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind mitigation construction features and will likely qualify for significant wind mitigation discount credits.
1. Roof coverings, such as shingles that meet the FBC Requirements.
2. Roof decks that have been installed with large nails and close spacing.
3. Hurricane clips/straps that hold the roof structure to the walls.
4. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems.
5. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.
6. Newly Constructed Homes built to the Florida Building Code since March 1, 2002
7. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.
Who can perform the Inspection?
There are hundreds of home inspection companies In Florida. A wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, and engineer, building inspector or home inspector. A professional inspection company has all these specialist professionals specialize in evaluating risk that affects insurability, property loss, and overall resiliency of homes in coastal states, and have technical expertise, qualified to evaluate properties.
Mitigation Inspections are a valuable inspection service that may reduce your windstorm insurance. Insurance discounts are available for building features that reduce damage during high wind events. It can help you reduce your premium by up to 45% by determining all eligible discounts.