As a homeowner a home inspection is a must, whether your house is new or old. A wind insurance inspection is another step you can take in protecting your home - and it can even get you insurance premium reductions in some cases. The inspection will look at features of your home that limit the damage intense winds could cause. Mitigating factors include: whether your shingles meet code specifications, whether you have roofing fasteners and hurricane strappings, and how well your windows are protected.

What is wind mitigation?  Wind mitigation is the implementation of certain building techniques used to limit the damage caused by intense wind. It specifically targets the structural or nonstructural aspects that prevent damage caused by high winds that occur during natural disasters. As you could probably guess, in Florida, the primary concern is wind damage caused by hurricanes. You want to be prepared for any natural disasters that are out of your control, especially when you have the control of making sure your home is inspected and insured at the very least.

Where do I start? The first step in successfully mitigating your home from wind damage is to schedule an inspection. Although inspections do cost money, the insurance savings and increased safety are well worth it! There are several wind mitigation features that you can implement to protect your home from damages and cause your inspection to go well. These include:

  • Water Barriers: sealing your roof deck prevents water intrusion during heavy storms.
  • Roof to Foundation Anchoring: anchoring helps your home resist strong winds by reinforcing the walls. 
  • Window and Door Coverings: shatterproof windows and storm shutters are great options for protecting your windows from wind and debris during storms.

Why Mitigate?  Along with protecting your home, wind mitigation features can help you save money on insurance. According to the Florida Division of Emergency Management, anywhere between 15%-70% of homeowners insurance premiums in Florida can be attributed to the risk of wind damage (depending on your home and location). In fact, wind mitigation insurance is the only inspection that is almost guaranteed to result in some level of insurance discount on your insurance premium.

If you have questions about wind mitigation or your homeowners insurance, call DSI today at (888) 337-9322.  

Photo: Shutterstock

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version

Site Footer

Some of Our Carriers Our Company Services Contact Us More Help
Auto Owners
Our History
Customer Service
Get A Quote
Insurance Types
Send A Message
Frequently Asked Questions
GET SOCIAL WITH US Facebook Twitter LinkedIn Google+    YouTube Blog
Main Office: 5200-B W Newberry Rd, Gainesville, FL 32607  |  888.337.9322 Powered by Insurance Website Builder

Carriers Get A Certificate of Insurance Education Center Mortgage and Real Estate
Get Started