PEACE OF MIND BEFORE YOU SIGN
Without a current report, you won’t know if you’re overpaying for homeowners’ insurance.
Wind Mitigation Inspection
Before issuing a new policy, Insurers require a wind mitigation inspection on homes built before March 1st, 2002, to assess any vulnerabilities to wind and storm damage, as well as apply any discounts (required by law) for improvements to key areas of the home that minimize or prevent damage.
Current policyholders who’ve made improvements to these areas of their home may likely be overpaying and not getting mitigation credits (discounts required by law), without properly documenting and voluntarily submitting a current report.
Undocumented and improperly reported home improvements cost policy holders up-to 22% more for insurance annually according to the Florida Department of Financial services.
Age of the Home
Is the home application permit after March 1st, 2002?
Age of the Roof
Is the roof application permit after March 1st, 2002?
Roof Geometry
Is more than 10% of the total roof perimeter a gable or flat feature?
Roof Deck Nail Size & Spacing
“8d” nail size spaced every 6 inches.
Roof to Wall Connection
The type of connection joining the walls and roof. Clips, single wraps, double wraps, and structural ties vary widely and the stronger the system the greater the discount.
Underlayment Type
Does the roof have a self-sealing, self-adhering underlayment known as an SWR or Peel and Stick.
Opening Protection
Are glazed (glass) openings and doors “impact rated” or protected by “impact rated” shutters or other devices.