All about wind mitigation: how to save on your Florida home insurance

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If you’ve never heard of a wind mitigation report, you’re probably paying too much for your homeowners insurance.

What is a wind mitigation inspection report?

A wind mitigation inspection determines your roof’s sturdiness in the event of strong winds or a hurricane. A good report can lead to a discount of up to 45 percent off of a homeowners policy. 

This is, of course, given that the home has the right features in place to withstand high winds. 

Many new homes in Florida already do. But your home insurance provider won’t know this and pass on the discount unless you provide a wind mitigation report.

How can I get a wind mitigation inspection report?

In order to get this report, you will need to schedule a wind mitigation inspection. A certified inspector will come to your home and look for certain features and add-ons that tend to minimize the damage your home would suffer in the event of a major storm. 

You can also reach out to a HoneyQuote agent, who can handle scheduling an inspection for you and apply the discount to your insurance policy. 

Some of these wind mitigation features include:

  • Age of the roof
  • Roof shape
  • Roof decking attachment
  • Roof to wall attachment
  • Resistance of openings such doors and windows

How can I ensure a positive inspection?

If you feel you may lack in some of these wind mitigation areas, there are ways you can improve your home to ensure it passes the inspection. Sure, it can cost money to install these wind mitigation features, but they may end up paying for themselves if you snag a decent price drop in your insurance premium. 

Not to mention, the investment can protect you, your family and anyone else living in your home by lessening the impact of disasters, which sounds pretty priceless to me.

People’s Trust Insurance Company, for example, recommends the following:

  • Water Barriers – sealing your roof deck is a good way to prevent water intrusion in case the roof shingles blow away in the middle of a storm.
  • Roof to foundation – reinforcing your home’s walls to the roof and foundation will help it resist strong winds.
  • Window and door protection – covering windows and other openings is a good way to prevent damage from wind or flying debris. Many people opt for shatterproof windows, hurricane-rated doors as well as storm shutters. Additional bracing is available for garage doors.

Reach out to an insurance agent today for advice on how to start saving. HoneyQuote.com lets you compare prices from insurers around Florida.

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