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*Wind Mitigation Inspection*
Insurance rates are reduced substantially with our Wind Mitigation Wind Inspection. Most cases up to a 40% .What is a wind mitigation. A wind mitigation inspection verifies construction methods that create wind mitigation discounts based on those methods providing greater protection from wind hurricane damage. The inspection usually takes less than an hour.
All of the following structure types qualify for Wind Mitigation Inspections:
Single Family Homes , Multi-Family Buildings ,Commercial Buildings ,Condominiums,Townhomes
Discounts Occur when Dwelling Structures have Elements that
Minimize Damage from High Wind Events like Tropical Storms and
Hurricanes. They include:
Actual Roof Shape
Reinforced Roof Decking
Roof Shingle Attachment Method
Shutter Protection Over Your Windows
Hurricane Straps and/or Hurricane Clips
Full or Partial Impact Resistant Glazing on Windows
Other Wind Resilient Construction Techniques...
According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners discounts, credits, or other rate differentials for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims.
Four point Inspection
ROOF.
Inspection of the roof coverings to make sure that is in good condition. Also, the attic side of the roof is checked for any damage or weak areas.
HVAC SYSTEM.
Report on the type of heating and cooling system used in the home . Also the age of the system and if it adequate for the size of the home
ELECTRICAL.
Inspection of the electrical system from the weather head to the main panel, any sub panels, wiring and outlets. This inspection is to make sure that the wiring is safe, that there are no unsafe or exposed wiring and that the electrical system complies with electrical code.
PLUMBING.
An inspection of the home’s plumbing system to check for any leaks in the supply or drain lines.
After Hurricane Andrew, Insurance companies in Florida have been trying to encourage home owners to make their homes safer and reduce claims. Many insurance companies now request 4 point inspections.
Roof condition inspection
Homes over 25 years old with a shingle roof, homes over 50 years old with any other type of roof must have the roof replaced to be eligible for coverage. To assist policyholders, Citizens has created a Roof Condition Certification Form (CIT RCF-1 1108) which may be used to certify the eligibility of the roof.
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