How Much Does A Wind Mitigation Inspection Cost?
Are you looking for how much wind mitigation cost? You have come to the right place. I put together a quick FAQ that covers some burning questions that typically are asked when there is a discussion about windstorm protection inspection also known as a wind mitigation inspection.
- Why and what is the wind mitigation inspection cost for??
- How much is a 4 point inspection and wind mitigation in Florida?
- How do I get a wind mitigation inspection in Florida?
- Can roofers do wind mitigation inspections in Florida?
- How long is a wind mitigation inspection good for in Florida?
- What is the wind mitigation discount in Florida?
- Can you fail a 4 point inspection in Florida?
- Who can perform a wind mitigation inspection in Florida?
- Is wind mitigation insurance required in Florida?
- Do you need wind mitigation in Florida?
- How much does a wind mitigation inspection cost?
- How Much Does A Wind Mitigation Inspection Cost?
- 4-point and Wind Mitigation Inspection: What's the Difference?
- Wind Mitigation Inspections Only $150 From Tampa's #1 …
- Wind Mitigation Inspection Cost
- What Is A Wind Mitigation Inspection in Florida?
- Four Point and Wind Mitigation|From $75 to $95 – Bennett …
- How Much Should A Wind Mitigation Inspection Cost?
Why and what is the wind mitigation inspection cost for??
In Florida, insurance companies provide credits or discounts for wind credits based on the form OIR-B1-1802 that a qualified inspector will fill out after your inspection. The inspector will use the form to verify the products and features a home has and record them accordingly. The insurance company will review the form and apply the credits that are applicable for your property.
Who can complete a wind mitigation inspection?
It is usually a home inspector that offers this service but there are others qualified. A home inspector primarily inspects residential. General contractors for commercial.
The following personnel is qualified to complete your inspection:
- Home Inspector licensed under Section 468.8314, Florida Statutes who has completed the statutory number of hours of hurricane mitigation training approved by the Construction Industry Licensing Board and completion of a proficiency exam.
- Building code inspector certified under Section 468.607, Florida Statutes.
- General, building, or residential contractor licensed under Section 489.111, Florida Statutes.
- A professional engineer licensed under Section 471.015, Florida Statutes.
- A professional architect licensed under Section 481.213, Florida Statutes.
- Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form pursuant to Section 627.711(2), Florida Statutes.
How much does a wind mitigation inspection cost?
The wind mitigation in cost varies between $75 to $150 which includes updates to the report if needed within a certain period. Ask your inspector what their period is. GGR Home Inspections is 12 months.
How do you schedule a wind mitigation inspection?
Most search for a home inspector using “Google Search” and chooses one based on availability and cost. But you should go a step further because if your inspector is not pulling roof permits that most homeowners don’t have then the inspector will check “No Information For Compliance” and this may impact your home insurance premium negatively. It is the homeowners’ responsibility to provide all documentation for the opening protection but in most cases, the homeowner does not have this information.
How soon should you expect the report?
The average time to expect your report is less than 24 hours.
Does the 4 point inspection include the wind mitigation inspection?
The 4 point inspection is a different inspection and does not include the wind mitigation portion.
I hope this information has been helpful in explaining the wind mitigation inspection cost. If you have additional questions and want to get in contact with GGR Home Inspections please send us a note, text, or call.
How much is a 4 point inspection and wind mitigation in Florida?
Wind mitigation inspections usually cost around $85 for the homes in EDC’s service area. A four point inspection will be closer to $125
How do I get a wind mitigation inspection in Florida?
If you would like to receive a windstorm inspection, we can provide you with contact information for third-party wind mitigation inspectors. Call us today at 1-888-364-8557.
Can roofers do wind mitigation inspections in Florida?
Many roofers in the State of Florida, will pay a home inspection company to complete a wind mitigation inspection for you if you get a new roof with them
How long is a wind mitigation inspection good for in Florida?
Knowing when to replace windows, brace your garage door, or even fix various roof parts is key. This could save your home from major damage during a hurricane or violent wind storm. How long is a wind mitigation inspection good for? It is valid for 5 years
What is the wind mitigation discount in Florida?
Wind mitigation discounts are applied toward the windstorm portion of your total insurance premium and depending on the location of your property, this portion can range from 15-70% of the total premium.
Can you fail a 4 point inspection in Florida?
In Florida, 4-Point inspections are typically required, especially for insurance in flood zones. With the severe weather we see here in Florida, 4-point Tampa home inspections can be considered pass/fail; if your home doesn’t meet the requirements or standards, you will not be approved until repairs have been made.
Who can perform a wind mitigation inspection in Florida?
Any authorized inspector can conduct your wind mitigation inspection and complete the OIR-B1-1802 form.
Is wind mitigation insurance required in Florida?
Florida Wind Insurance and How to Lower Costs With Wind Mitigation Credits. Wind insurance isn’t mandatory in Florida, but your mortgage lender may require it.
Do you need wind mitigation in Florida?
Surprisingly, as of November 2019, wind mitigation inspections are not required in the state of Florida.
How much does a wind mitigation inspection cost?
How much does a wind mitigation inspection cost?You can expect to pay between $75 and $150, with the average price being in the middle of those two numbers. A wind mitigation report is much less expensive if you order it at the same time as a buyer’s home inspection, because it saves an inspector the additional travel time to come back. Some inspectors, like us, even include it free with the home inspection. Most of the work for a wind mitigation inspection is done in the attic, where the inspector checks things like how the roof sheathing is nailed to the trusses/rafters and, in turn, how the trusses/rafters are secured to the walls. All findings must be photo-documented in the report. For details of the other items that are checked, see our article What is checked during a wind mitigation inspection? If your house is 30 years old or more, it’s likely that your homeowners insurance company will also request that you provide a four-point inspection, and many inspectors also offer a discount for doing both at the same time. And here’s links to a collection of our other articles about the WIND MITIGATION INSPECTIONS:• Who can perform a wind mitigation inspection in Florida?• Why is my insurance company requiring a Wind Mitigation inspection? • How long does it take for a wind mitigation inspection? • Is a wind mitigation inspection transferable from previous homeowner to new homeowner?• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? • Which building permit date is used for the Building Code section of the wind mitigation form? • What are the different roof deck attachment discount categories for a wind mitigation inspection?• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?• How do I get the hip roof discount for my homeowners windstorm insurance?• Can I do my own wind mitigation inspection? • What’s the difference between a gable and hip roof for my insurance? • Why did I get no discounts or only a small discount from my wind mitigation inspection? • How can I tell how hurricane resistant a Florida house is before I buy it?• How long does a wind mitigation inspection remain valid? • What is a wind mitigation discount? • Do I get a discount for partial hurricane shutters in a Wind Mitigation inspection?• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report? • What’s the difference between a four-point and wind mitigation inspection?• What is the discount for Secondary Water Resistance (SWR) on a Wind Mitigation Inspection Report (OIR-B1-1802)? • How much does a wind mitigation inspection save on insurance?• What is the discount for gable end bracing in a Wind Mitigation Inspection (OIR-B1-1802)? • What is the discount for wall construction type in a Wind Mitigation Inspection Report (OIR-B1-1802)?• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection? • Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?• What is the difference between the HVHZ (High Velocity Hurricane Zone) and the Wind-Borne Debris Region in Florida Building Code? • If the strap has 2 nails at my roof trusses, what credit do I get on my wind mitigation inspection?• Is a digital signature acceptable for customers on the Florida Wind Mitigation Form (OIR-B1-1802)? • Can I get…
How Much Does A Wind Mitigation Inspection Cost?
How Much Does A Wind Mitigation Inspection Cost? How Much Does A Wind Mitigation Inspection Cost?Are you looking for how much wind mitigation cost? You have come to the right place. I put together a quick FAQ that covers some burning questions that typically are asked when there is a discussion about windstorm protection inspection also known as a wind mitigation inspection.Why and what is the wind mitigation inspection cost for??In Florida, insurance companies provide credits or discounts for wind credits based on the form OIR-B1-1802 that a qualified inspector will fill out after your inspection. The inspector will use the form to verify the products and features a home has and record them accordingly. The insurance company will review the form and apply the credits that are applicable for your property.Who can complete a wind mitigation inspection?It is usually a home inspector that offers this service but there are others qualified. A home inspector primarily inspects residential. General contractors for commercial.The following personnel is qualified to complete your inspection:Home Inspector licensed under Section 468.8314, Florida Statutes who has completed the statutory number of hours of hurricane mitigation training approved by the Construction Industry Licensing Board and completion of a proficiency exam.Building code inspector certified under Section 468.607, Florida Statutes.General, building, or residential contractor licensed under Section 489.111, Florida Statutes.A professional engineer licensed under Section 471.015, Florida Statutes.A professional architect licensed under Section 481.213, Florida Statutes.Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form pursuant to Section 627.711(2), Florida Statutes.How much does a wind mitigation inspection cost? The wind mitigation in cost varies between $75 to $150 which includes updates to the report if needed within a certain period. Ask your inspector what their period is. GGR Home Inspections is 12 months.How do you schedule a wind mitigation inspection? Most search for a home inspector using “Google Search” and chooses one based on availability and cost. But you should go a step further because if your inspector is not pulling roof permits that most homeowners don’t have then the inspector will check “No Information For Compliance” and this may impact your home insurance premium negatively. It is the homeowners’ responsibility to provide all documentation for the opening protection but in most cases, the homeowner does not have this information.How soon should you expect the report? The average time to expect your report is less than 24 hours.Does the 4 point inspection include the wind mitigation inspection?The 4 point inspection is a different inspection and does not include the wind mitigation portion.I hope this information has been helpful in explaining the wind mitigation inspection cost. If you have additional questions and want to get in contact with GGR Home Inspections please send us a note, text, or call.
4-point and Wind Mitigation Inspection: What's the Difference?
4-point and Wind Mitigation Inspection: What’s the Difference? At EDC, the most popular inspections among homeowners are the 4 point and wind mitigation inspection. Many homeowners have been told by friends, family, or real estate professionals that they need these inspections, but they might not know why. In fact, you may be confused about why the full-home buyer/seller inspection doesn’t suffice. The truth is that each type of property inspection is different and each of them is used for different purposes…and that includes four point and wind mit inspections. But before we discuss the differences between the 4-point and wind mitigation inspection, it helps to know a little more about them individually. What Is a Wind Mitigation Inspection? A wind mitigation inspection, also called a “windstorm inspection” is a visual examination of a home’s ability (or lack of it) to withstand damage during a windstorm. During this type of inspection, the home inspector examines your home’s various characteristics to withstand wind. While wind mitigation inspections are not required by law, we highly recommend them for every Florida homeowner. For starters, your insurance agent or broker might require (or at least “highly encourage”) you to get a wind mitigation report before they will issue you an insurance policy. More and more, we’re seeing insurance agents push wind mit inspections on homeowners. But perhaps the best reason to get a wind mitigation inspection is that, under Florida law, insurance companies are required to give discounts on home insurance for structures that receive a passing grade. For most homeowners, the discounts they receive more than make up for the cost of the inspection. Hang on to your report! It states on the bottom that it’s good for five years. But if you’re shopping for a new insurance policy with a three-year-old wind mit report, your insurance carrier will likely request an updated one. If you’re not shopping, most carriers will let it ride past five years. (And if you can’t find your report, let us know; we don’t get rid of them.) What is a 4 Point Inspection? Four point inspections are sometimes required by certain insurance companies before they will issue a policy. Each insurance company will have its own set of guidelines but, typically, 4-point inspections are required for any home more than 30 years old. Insurance underwriters and insurance companies use four point inspections to determine your home’s level of risk. Older homes are thought to be not as well-maintained as new construction, so they are seen to be a greater risk to the insurance company. As you might have guessed, there are four main things that are being examined during a four-point inspection: 1) Electrical, 2) Plumbing, 3) Roof and Structure, and 4) HVAC system. When filling out the report, a home inspector will have the option to list the age, overall condition, material, and basic type for each of these categories. The results of your 4-point inspection will determine which carriers will insure you, or whether they will even insure you at all. However, you may be permitted to bring your home “up to standard” to obtain insurance coverage. What’s the Difference? So what’s the difference between a 4-point inspection and wind mitigation inspection? The main difference lies in what features they involve. During a wind mitigation inspection, your roof is the primary area of concern. The inspection will mostly take place on, around, and under the roof (your inspector will need to access your attic or crawlspace to do this). Since a 4-point inspection covers more areas of your home, it will take slightly longer and the inspector will need to examine a much greater portion of your home (though not as much as a full-home buyer’s inspection). Wind mitigation inspections are entirely voluntary (though perhaps this may change one day) while most homeowners get a four point inspection because they are required to by an insurance company. The final difference—albeit a small one—is the cost. Wind mitigation inspections usually cost around $85 for the homes in EDC’s service area. A four point inspection will be closer to $125. Conclusion Whether you need a four point inspection, wind mitigation…
Wind Mitigation Inspections Only $150 From Tampa's #1 …
Wind Mitigation Inspections Only $150 From Tampa’s #1 InspectorReady To Schedule Your Wind Mitigation Inspection?What Is A Wind Mitigation Inspection?A certified inspector examines a property for specific features of a home that make it more resistant to high winds that are experienced during a hurricane or major storm.This inspection evaluates all doors, windows, roof attachments, roof geometry, roof coverings, and more, for compliance with certain building codes.Do I Need A Wind Mitigation?In Florida a wind mitigation inspection is not required in order to get insurance. However, insurance companies are required by the state to offer discounts to home owners with wind mitigation features installed.How Much Can I Save On Insurance?Depending on where you live in Florida, you can save up to 70% on the “wind portion” of your total insurance premium. This can translate to hundreds of dollars a year and thousands over your lifetime. Check with your insurance company to see how much you can save.How Much Does It Cost?The cost of a wind mitigation inspection is $150. This includes the inspection, permit research, and report delivered the same day.Want To Save Even More?Bundle with a 4-Point Inspection and get a combination inspection discount from Cooper Home Inspections, LLC.Schedule Your InspectionWhat’s Included In A Wind Mitigation? Roof Reports on the general condition and age of the roof covering, the type of roof-deck attachment, and the roof to wall connection. We also evaluate the roof geometry in order to determine the type of roof you have. Secondary Water Resistance Documents the presence of a protective layer that sits between the primary layer of the roof and the insulating layer of the roof that prevents water intrusion. Opening Protection Identifies impact resistant glazed and non-glazed openings. Insurance companies want to ensure that your residence is protected from flying debris at every possible opening including the garage. Building Code and Permit Research Determines the age of the home in order to ensure that it was built with current construction standards. If your home is older or has recently had a roof replacement, we will do the research to make sure we provide the insurance company with proper documentation.Service AreaWe proudly offer Wind Mitigation Inspection services to Hillsborough, Pinellas, Pasco, Hernando, and Polk counties. E-MAIL [email protected] Address 3902 Henderson Blvd, Suite 208 #23, Tampa, FL 33629
Wind Mitigation Inspection Cost
Wind Mitigation Inspection Cost Homeowners and home buyers can receive substantial discounts on their insurance premiums for having certain wind-mitigating features in place on their home. Florida law requires insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from wind. We highly recommend that Florida homeowners consider having a Wind Mitigation Inspection performed. These inspections must be performed by qualified inspectors. The potential cost-savings per year can easily outweigh the relatively low cost of the inspection. How Much is a Wind Mitigation Inspection? Inspection prices vary in Florida, but you can typically expect to pay between $100 – $150 for a stand-alone inspection, meaning if the wind mitigation inspection is not combined with a general home inspection. Remember, having features in place will reduce your premium year after year and potentially save you thousands. How Long is a Wind Mitigation Inspection Good For? Wind mitigation inspections are valid for up to five years from the date of inspection, provided no material changes have been made to the building structure. Is a Wind Mitigation Inspection Required in Florida? Wind mitigation inspections are not required. It is completely up to the homeowner or homebuyer whether they want to have the inspection performed. Most of our clients choose to have the inspection for the potential yearly savings. How Long Does a Wind Mitigation Inspection Take? Wind mitigation inspections are much shorter in length than a typical home inspection, and usually take 30 minutes to an hour to complete. The report is usually delivered later that day. What is inspected during a Wind Mitigation Inspection? Our Wind Mitigation Inspection looks for the key features listed in the Uniform Mitigation Verification Inspection Form (wind mitigation report sample) and generates a report based on our findings, which you can then submit to your insurance provider. Will I be penalized for not having certain features? Simply put, no. You will be credited for the features that you have in place, and not be penalized for those you don’t. Do I need hurricane shutters to qualify? No, there are other features that can also qualify you for discounts. The key wind mitigation categories in Florida are: Roof Coverings: We will determine when the roof was installed and if it meets building codes. Roof Deck Attachment: We will determine what type of roof decking is used and how the decking is attached to the structure, i.e. if it’s nailed or stapled down. If nails are used, the nail length and spacing between each nail will also be noted. Roof to Wall Attachment: We will determine how the roof trusses are attached to the walls. Are they toe-nailed, clips, single wraps, double wraps, etc.? The more secure your roof the better the savings! Roof Geometry: We will determine the shape of your roof. A hip roof resembles that of a pyramid, and definitely qualifies for a discount. Secondary Water Resistance: SWR (also called Sealed Roof Deck) Self-adhering polymer modified-bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed-on insulation) applied as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss. Opening Protection: We will determine if shutters or protection devices from wind-born debris at doors and windows are in place. We will also check the rating of the devices, if they are present. How do I schedule a Wind Mitigation Inspection? That’s easy! Call or email us today to schedule your Wind Mitigation Inspection. We offer free, no obligation Wind Mitigation Inspection quotes. Brought to you by Bold City Home Inspections. Proudly providing wind mitigation inspection services to Jacksonville, FL and surrounding areas including all of Duval, St. Johns, Clay and Nassau counties. Wind mitigation inspector Jacksonville, FL | Home Inspectors Jacksonville FL | Home Inspection Jacksonville FL | Northeast Florida Home Inspections
What Is A Wind Mitigation Inspection in Florida?
What Is A Wind Mitigation Inspection in Florida? In Florida, we have specific insurance inspections that may or may not be required for homeowners insurance, or might provide you discounts. The wind mitigation inspection, is one of those insurance inspections. There are other wind mitigation inspections in different states, however, they can vary. For the sake of this blog post, we are only focusing on wind mitigation inspections in Florida. Let’s take a look into the wind mitigation inspection. Wind Mitigation Inspection Defined Wind Mitigation Inspections are a Florida state standard form that tells home insurance underwriters what type of wind mitigating materials your home is constructed with. This inspection is required by the state so insurance companies do not withhold discounts on home insurance policies to homeowners who have newer houses or specific updates to their home. Check Out Our Video Where We Explain More On Wind Mitigation What Questions Does The Wind Mitigation Form Ask? As mentioned above, the wind mitigation inspection is a standard form. The form is made up of seven questions and each question asks what type of wind mitigating material the home has. Here are the questions the form asks: The age of the home. – This is to determine if the home permitting was applied for after March 1st, 2002, as Florida Building Code was updated at that time.The age of the roof. – This is to determine if the roof was permitted after March 1st, 2002. Newer roofs have higher wind standards.Roof decking nail size and pattern. – This is to determine the size of the nail used to hold your home’s plywood down against the truss system. The highest available discount is an 8d (2.5 inches) nail spaced every 6 inches. Typically, if your roof is installed after 2007, you will receive this discount.Roof to Wall Attachment. – This is where your exterior wall meets your roofline. On average, homes have a piece of hardware, known as a clip, that is nailed to your exterior wall and is also nailed to your truss system. Every truss that meets the exterior wall should be clipped. Some older homes just have the trusses nailed down to the walls.Roof Geometry. – How your roof is shaped overall. It is better for a home overall if wind pressures can easily be released over the roof system rather than creating more drag/resistance.Secondary Water Resistance. – What type of underlayment does your roof have? This can be seen between plywood connections or roof penetrations in the attic. If it is a “peel and stick” or self-adhering underlayment, this qualifies for a discount. Most newer roofs have an SWR.Opening Protection. – This is the rarest discount that is received and is the most difficult. Every glazed (window) opening must be covered by an impact-rated shutter that is structurally attached to the home (or be an impact-rated window) to receive a discount named “A3”. Every glazed and solid opening (doors and garage doors) must be covered by an impact-rated shutter (or be impact-rated themselves) to receive the discount known as “A1”. To learn more about these questions and the discounts available to you, please look at wind mitigation requirements. You may also look at how to save more money on insurance with wind mitigation. How Home Inspectors Complete Wind Mitigation Inspections Home inspectors are generally the main person filling out the wind mitigation form. However, general contractors and roofers are qualified to fill out the form as well. This is the process for a wind mitigation inspection: Walking the Perimeter The inspector will walk the perimeter of the property to take pictures of all four sides of the home. Additionally, the inspector will take pictures of all your home’s openings. This is to check for the roof geometry and for opening protection, such as , shutters or impact rated windows/doors. Inspecting The Attic The inspector will need to get into the attic to look for other wind mitigation features. The inspector will look for the roof to wall connection, secondary water barrier type, and the roof decking nailing size/pattern. Finishing The Form Lastly, the…
Four Point and Wind Mitigation|From $75 to $95 – Bennett …
Four Point and Wind Mitigation|From $75 to $95 FOUR (4) POINT & WIND MITIGATION INSPECTIONS Four (4) Point InspectionA Four (4) Point inspection is often required when obtaining a new homeowner’s insurance policy, or when renewing an existing policy. Four (4) Point requirements will vary from carrier to carrier usually starting at 30 years or older. Four (4) Point inspections consists of a limited visual survey of the following:Heating/Air conditioning systemRoofElectricalPlumbingThe purpose of the inspection is to determine the approximate age, general condition, and remaining lifespan of these systems. This is a limited visual inspection of components the insurance company may find unsafe or problematic. With regards to the insurance company, they are generally looking to see if your property has been updated to current standards and is in good condition. After Hurricane Andrew, Insurance Companies in Florida started to encourage home owners to make their homes safer and reduce insurance claims. Today, most if not all of the insurance companies and JUA (Joint Underwriting Association) request or require Four Point Inspections for homes older than 30 yearsAs of 09/01/12, a 4 point insurance inspection is required by Citizen’s Insurance Company on every home 30 years or older in order to obtain a new insurance policy or renew an existing policy.*It is important to remember that this is a limited visual inspection and does not replace an home inspection, such as for a purchase or sale (listing inspection). Wind MitigationA Wind Mitigation Inspection is a great tool to reduce your overall cost when it comes to your homeowners insurance. Submitted to your insurance provider, it may result in discounts to your policy to help save money. Most existing homes have one or more construction features that will qualify for windstorm insurance premium discounts. A Wind Mitigation Inspection verifies the construction details of your home and is used to qualify for discounts on your insurance premium. The better your house is built to withstand Wind Damage, the more discounts you will qualify for each year.A wind mitigation inspection is a type of home inspection. The purpose of a wind mitigation inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane.A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida premium discounts for certain favorable wind mitigation features are mandated by State law and can sometimes show savings that up to 45% of the original policy’s premium.This inspection will consist of the inspector looking for the following 8 key categories listed below.Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes. Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, for example, if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the more significant the savings.Roof Geometry: is your roof hip, gable or other? The inspector is looking for how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.Wall Construction Type: Inspectors will review the construction materials used on your home…
How Much Should A Wind Mitigation Inspection Cost?
How Much Should A Wind Mitigation Inspection Cost? As a homeowner, you will take all the necessary steps to ensure you protect your investment. This, for most people, means making timely repairs and paying homeowners’ insurance to cover unforeseen circumstances. When getting insurance, most insurers will require a wind mitigation report to know your home’s risk level. Insurers will often ask for the report in places prone to hurricanes and strong winds, even for relatively new structures. When people hear of a wind mitigation report, their first question will be how much it will cost. The article below will answer how much a wind mitigation inspection should cost and other questions you might have about this crucial report. What is a Wind Mitigation Report? A wind mitigation report determines how well your building is prepared for a major storm or hurricane. An inspector will evaluate your windows, doors, roof attachments, roof coverings, and more for their resistance to high winds. Most homeowners confuse the wind mitigation report for a 4-point inspection. The latter is often required for homes that are over thirty years old. The 4-point inspection checks for issues with your roof, HVAC system, electrical installation, and plumbing system. What are the Benefits of a Wind Mitigation Inspection? Most homeowners will only get the wind mitigation report to get some discount on their homeowners’ insurance premium. Besides insurance discounts, a wind mitigation inspection will help you know how secure your home is and what upgrades or repairs you need to make to prevent damage from high winds. You can also get an inspection when selling your home because the report will boost your selling points. How Much Will a Wind Mitigation Inspection Cost? Based on your location, inspections will generally charge $75-$150 for a wind mitigation inspection. This fee will also include an update on your report if need be within a specified period. Thankfully, in most cases, the costs of your inspection will be recouped in the discounts on your insurance premiums. The price of a wind mitigation inspection is lower if you get it at the same time as your buyer’s home inspection. This is because you will have to cut down on the travel costs of the inspector. What is the Wind Mitigation Credit? The wind mitigation credit is based on the findings of your inspection. These credits are meant for insurance discounts on your homeowners’ insurance. The credits are based on how many aspects of the inspection your home will pass or fail. In general, if your home can hold up well to strong winds, you get more credits. You will benefit from a higher insurance premium discount if you have higher credits. The discount ranges from 20-70%. Insurers will exclude wind damage from their standard homeowners’ insurance policies in some hurricane and tornado-prone areas. In other cases, they need a separate wind deductible on your policy. Check these elements to ensure you have wind coverage. What States have Wind Mitigation Credits? A few states have wind mitigation laws under their insurance regulation offices. The laws mandate insurers to give homeowners who have a wind mitigation report credits or discounts. The states with wind mitigation credits include Georgia, Mississippi, Alabama, Oklahoma, North Carolina, Rhode Island, Florida, and Louisiana. One Last Thought to Consider A wind mitigation inspection will take 30-60 minutes to complete, so you do not have to cancel your plans to host the inspector for the day. Most inspection firms will send you the report within 24 hours. The wind mitigation report is valid for five years. With your questions on the cost and other aspects of the inspection now answered, you can schedule one for your home. Share This Post With Others!