How much does a wind mitigation inspection save on insurance?
Tuesday, September 22, 2020
It is possible to save as much as 85% on the windstorm portion of your Florida homeowner’s insurance policy if you manage to qualify for all the discounts allowed. But it’s more likely to be less. Florida law requires that insurance companies give you money off for the hurricane-resistant features of your home, and the percentage varies—someitmes significantly—between companies.
If the original building permit for your home was applied for after March 1, 2002 (beginning of state-wide Florida Building Code), it means the house meets higher code standards for storm resistance and automatically gets a bundle of discounts worth about 68%. This large discount will exclude or reduce some of the other discounts listed below:
Up to 47% - Hip roof (for roofs that slope downward on all sides like a pyramid). See our blog post How do I get the hip roof discount for my homeowners windstorm insurance? to learn more.
Up to 44% - Shutters, which must be rated by Miami-Dade or Florida Building Code, based on label attached to shutter or other documentation. Lower discount outside wind-borne debris region.
Up to 35% - Metal clips, single-wraps, or double-wraps at roof-to-wall connection.
Up to 14% - Roof covering that meets Florida Building Code (FBC). Roof permit application date after 3/1/2002 or other documentation necessary.
Up to 8% - Secondary Water Resistance (SWR). Typically this would be a self-adhered and self-sealing modified bitumen roofing underlayment such as Grace Ice and Water Shield or Certainteed WinterGuard. A foam barrier applied to the underside of the roof sheathing is another option, but seldom used.
Up to 5% - Roof deck attachment method. 2-1/2” nails spaced at 6” on center gets best discount.
Also see our blog post How long does a wind mitigation inspection remain valid?
Here’s links to a collection of our blog posts about the WIND MITIGATION FORM:
Average discount data from Florida’s Foundation and insurance documents.
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