Wind Mitigation Certification Inspection

Setup Wind Mitigation Certification Inspection appointment online

A Wind Mitigation Inspection is a valuable inspection service that may reduce your windstorm insurance. Wind Insurance discounts are available for building features that reduce damage during high wind events. The Wind Mitigation discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. Most existing structures have one or more wind resistive construction features and may qualify for some Wind Mitigation insurance discounts.

Wind Mitigation Inspections are available for all single family homes, townhouses, condos and commercial buildings. Homeowner's and Condo Associations also qualify for wind mitigation credits. Call to see if a Wind Mitigation Inspection would be recommended.

Roof Shape
Roof Covering
Secondary Water Resistance
Roof to Wall connection
Roof Deck Attachment
Opening Protection

Did you Know? Even if you live in a new home that contains shutters, tie downs, enhanced deck attachments (all required by Florida Building Code in WBD areas), you still are probably not receiving the required wind mitigation discount. Not to mention, if you have a hip roof, you may qualify for additional wind mitigation discounts.

The State Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Wind Mitigation features.

We will document the Wind Mitigation features present in your home and produce a WIND MITIGATION CERTIFICATE for you to use inorder to receive your wind mitigation credits on your Wind Insurance policy. The Wind Mitigation Inspection must be performed by Certified Wind Mitigation Inspectors.

Uniform Mitigation Verification Inspection Form (OIR-B1-1802) - this form was developed by the Office of Insurance Regulation and must be completed and signed by a Qualified Inspector.

Qualified Inspectors:
- a Florida licensed general, residential or building contractor
- a licensed building inspector
- a registered architect
- an engineer in the State of Florida
- a building code official (who is duly authorized by the State of Florida or its county's municipalities to verify building code compliance).

4 Point Insurance inspections Q&A

How do I know if I will qualify for a Wind Mitigation discount?

Just "Schedule a Wind Mitigation Inspection online" or call us free at 1-866-696-5068. You have nothing to lose and potentially you can save thousands.

Do I need to have hurricane shutters to qualify for wind mitigation discounts?

No. Many other construction features can also qualify.

What are you going to inspect and how long does the wind mitigation inspection take?

The wind mitigation inspection will only check those items and construction features specifically listed on your insurance carrier's windstorm mitigation form (nothing else is inspected or reported to the insurance company) The entire Wind mitigation inspection will only take 20 minutes at most.

When do I pay you?

We require payment at the time of the wind mitigation inspection.

Why are insurance companies offering the discounts?

The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have wind mitigation construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these discounts, most insurance companies require a wind mitigation certification of the key construction features.

What construction features qualify for discounts?

Over 90% of existing houses have one or more of these wind resistive 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 credits.
We will document the Wind Mitigation features present in your home and produce a WIND MITIGATION CERTIFICATE for you to use in order to receive your wind mitigation credits on your Wind Insurance policy.

Why Should I Get a Wind Mitigation Inspection?

If you have not had a Wind Mitigation Inspection on your house, you are paying too much for your homeowner's insurance. Save up to 60%! (Average savings around 25%).

Why Would My Insurance Company Give Wind Mitigation Discounts?

The State of Florida now REQUIRES Insurance Companies to offer REDUCED RATES for homes containing certain Hurricane resistant features. But insurance companies will not automatically give you wind mitigation discounts. Homeowners, like you, have to ask for these discounts and prove that you deserve an insurance discount by having a wind mitigation inspection performed by a qualified wind mitigation inspector. This is where Allstate Pro Inspections come in.

Do I need to have hurricane shutters to qualify for wind mitigation inspection discounts?

No. Many other construction features can also qualify for a wind mitigation inspection discounts.

What Will The Wind Mitigation Inspector Be Looking For?

Allstate Pro Inspections will send a State Certified Inspector to inspect your home's Roof Covering, Roof Deck Attachment, Roof to Wall Connection, Roof Geometry, Gable End Bracing, Wall Construction, Secondary Water Resistance (SWR), and Opening Protection. These Aspects of your home will determine whether or not you qualify for insurance discounts. The wind mitigation inspection will take about twenty minutes.

Will my insurance company drop me if I have them lower my rates?

No, the wind mitigation inspection discounts are justified because stronger, more wind-resistant structures have lower windstorm losses, which mean reduced costs to insurance companies. Insurance companies like to know what they are insuring and, in most cases, they are the ones that tell you about the wind mitigation inspections.

Who is qualified to do wind mitigation inspections?

Qualified Inspectors:
- a Florida licensed general, residential or building contractor
- a licensed building inspector
- a registered architect
- an engineer in the State of Florida
- a building code official (who is duly authorized by the State of Florida or its county's municipalities to verify building code compliance).