The Importance Of Wind Mitigation Inspection
Wind mitigation is the dynamics of adding specific features to your home that will help to withstand or increase resistance to high winds that are caused by a major storm or hurricane.
Doing wind inspections help homeowners to reduce their mortgage payments by asking for credits on their homeowner’s insurance policy. The right kind of credit is one that includes new home discounts, wind mitigation credits, construction discounts such as concrete block with rebar and alarm discounts like fire or burglary. In Florida, countys with a coastline are termed as high wind borne debris zone. This classification means that houses have to be constructed a certain way to avoid damage from high winds and wind borne debris. There are specific techniques that are used when building this homes, the roof truss has to have a metal strap tying it down to the walls which have to have reinforcing bars if made of cement and stud bolts through the bottom plate if they are made of wood. Those bolts and rebar keep the home in place, and help in avoiding damage because the structure will not be blown by wind or lifted and twisted.
Other designs can be used for this cause such as the use of 8-10d nails to fasten the roof deck, bracing on gables or hip roof construction, hurricane shutters over openings like windows or the use of impact and wind resistant products. Roof construction is the reason for getting a wind inspection because it will correspond to the most significant reduction in the homeowner’s premium. Since homes built after 2002 and many built prior to that have a high wind type of construction. If you replaced your roof in the past year, new Florida legislation made it mandatory to update the roof construction. Many Florida homeowners can reduce their mortgage payments, but they don’t even know it.
It is wise to reduce your home mortgage because it can mean the difference between you keeping your home or losing it. Getting a wind inspection is all that you need to do. Inspection is essential but not cheap, however some home owners qualify for checks at reduced prices. If you are in need of a wind mitigation inspection to be done on your property, some inspectors are making it more accessible by offering their services at a discounted fee. You can take another step, outside installing shutters and hurricane proofing your home, by shopping your policy and choosing the best premium for the same coverage.
Generally a wind mitigation inspector should be certified enough for them to identify critical features and add-ons that reduce the amount of damage your home may suffer in the event of a hurricane.