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Windstorm Mitigation Insurance Inspection

Save up to 45% on your existing homeowner's insurance premium with a qualified inspection.


In March of 2007, the Florida Department of Financial Services began enforcing a ruling requiring all insurers to calculate exact discounts for every one of their policyholders. These discounts are based on location, age and construction techniques of each home which can save you up to 45% on your insurance premium. All that is required is to have a licensed professional such as QEA perform a site inspection of your home to complete a windstorm mitigation affidavit form provided by your insurer. A typical affidavit will require the physical inspection and verification of the following items:


  • Roof Shape - Roof shape refers to the geometry of the roof such as Hip, Mansard, Gable, Gambrel, Flat, Shed and other variations, although most insurers only classify roofs as Hip, Gable and Other. Gable end bracing in the form of diagonal or X-bracing may need to be verified in some instances.
  • Roof Covering - Many roof covering materials exist in the industry, but those used in Florida are typically composition shingles, clay or concrete tile and metal.
  • Roof Deck Attachment - The roof deck is the outer structural surface of the roof and is generally either OSB or plywood sheathing, but may also be concrete in some instances. Where sheathing is used, the type & attachment must be determined. Sheathing thickness, nail size and spacing play key roles in the overall strength of the roof deck.
  • Secondary Water Barrier - A secondary water barrier is a layer of protection that prevents water from entering the building when the roof covering is blown off during a wind event. This barrier is generally a rubber-like "peel & stick" modified bitumen tape applied directly to the sheathing on the exterior or a foam polyurethane coating applied from inside the attic thus covering the joints between all the deck sheets.
  • Roof-to-Wall Connections - A proper load path is critical in how a house performs under high wind conditions. Part of this path is the roof member attachment to the supporting wall. This attachment typically consists of toenails, metal clips, single wrap metal straps or double wrap metal straps.
  • Window/Door Opening Protection - Opening protection consists of impact rated doors & windows or various shutter designs such as aluminum & steel panel, accordion, colonial, roll-up and also wood. The year the product was manufactured and the code in which it was designed will determine its classification.


  • Call us at (561) 572-0177 or (800) 969-9391 to schedule an appointment or use the link below to do it online. You may be able to obtain a retroactive refund for premiums paid during the current cycle if you act before your policy renewal.















    Links

    The following links contain valuable homeowner's insurance information:

    Florida Wind Incentives - Calculate approximate percentage of premium savings based on construction features of new or existing residences.

    Office of Insurance Regulation - Review your homeowner insurance carrier's wind mitigation form and the associated deduction percentages.

    Shop and Compare - Shop and compare homeowner's insurance rates through a database compiled by the Florida Department of Insurance Regulation and the Office of the Governor for all insurers operating in your area.

     


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