Everybody I know would be interested in ways to save a few bucks on their homeowner’s insurance. A wind mitigation report could help you with that.
What is a wind mitigation report? It is an inspection report that will tell your insurance company how well your home is prepared for a hurricane force storm. They look at your roof, how it is attached to your home, along with all of the openings and access points to the structure (aka windows & doors). A wind mitigation report is not a required inspection. It is something I recommend getting because it could save you money on your homeowner’s insurance if your home was built prior to 2002.
What do they look for with your roof? They want to know the style and geometry of the roof. Is it a hip roof, gable roof, or flat roof.
They want to know the materials on your roof. Is it an asphalt shingle, cement tile, metal, or asphalt membrane? What kind of moisture barrier do you have between the roof decking and roof materials? Is it a peel and stick or felt paper underlayment? They look at nail patterns and type of nails used. They want to know how the roof is attached to your home. Are there hurricane straps? They also want to know the age of the roof. Newer is better. These are some of the things about your roof that will be looked at on the report.
What do they look for with your windows and doors? They will want to know if they are impact rated. They will want to know if you have hurricane shutters and if they are impact rated. They will want to know if every opening is protected from a hurricane-force storm. This includes skylights, solar tubes, small decorative windows, and your garage door.
A wind mitigation report is not a pass or fail, it is to see if your home has the minimum protection for a hurricane-force storm. If you have the newer roof with the proper attachments, you could receive a credit. If you have impact windows, you could receive a credit. If you have impact rated hurricane shutters, you could receive a credit.
When should you get a wind mitigation report? If you are buying a home and the property was built before 2002, I recommend getting one with the home inspection. If you own your home and recently had a new roof put on your home, new windows or hurricane shutters, you should get a new wind mitigation report. If you are a homeowner looking to change insurance companies, you should get a wind mitigation report.
Who can do a wind mitigation report? A licensed general contractor, a licensed home inspector, a certified building code inspector, a licensed engineer or a licensed architect. I usually have the home inspector complete the wind mitigation at the time a buyer is having the home inspected. The wind mitigation report is a State of Florida form that is officially called a Uniform Mitigation Verification Inspection Form.
How long is the wind mitigation report good for? The wind mitigation inspection report is valid for 5 years.
What does it cost for a wind mitigation report? There is not a state-regulated price and it varies. If you are getting a stand-alone report (you own the home & just had some updates or want to see if you can get credit OR you are buying a home and did not have a home inspection) expect to pay $125 (+/-). If you are buying a home and are using a licensed home inspector for a home inspection, they usually offer a discount and it will cost $75 (+/-).
How much can a wind mitigation report save you? Maybe nothing. Maybe a couple hundred dollars. Maybe over a thousand dollars. It really depends on how protected your home is to a hurricane force wind.
I met with Adam Marrara, a licensed home inspector and the owner of Florida Home Inspection Bureau to learn more about the wind mitigation report and 4 point inspection. He is able to complete a wind mitigation report and the 4 point inspection. If you are a first-time homebuyer, Veteran or active duty, first responder, or public school teacher; Adam does not charge for your wind mitigation report if you are also getting the full home inspection. If you have specific questions about either of these inspections you should give him a call at 321-313-3190 or visit him online at http://www.floridahomeinspectionbureau.com/ You should also consider giving Adam a call if you are house hunting. Once you find the right property, you should have a home inspection done to make certain the condition of the home is acceptable. If you are thinking of selling your home, you could give Adam a call for a pre-listing home inspection. It will give you peace of mind knowing your home is in good shape or give you a punch list of items to address to make the sale of your home a little smoother.
About the author:
Eric Larkin is a Broker Associate with REMAX Solutions. He lives, works, and plays in the Cocoa Beach area. Eric has been helping buyers and sellers with their real estate needs since becoming a real estate agent in 2003. His focus is always on helping, answering your questions, and doing everything possible to make certain you have a smooth transaction from beginning to end.
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