Wind Mitigation Inspection Cape Coral Florida

Wind Mitigation INspections you can trust

In Cape Coral's climate, storms that bring high winds are common. A quality wind mitigation inspection checks for critical aspects of wind resistance - factors that both buyers and insurance companies need to know. Our wind mitigation inspections are thorough, ensuring accurate reporting of the homes condition. If your wind mitigation inspection reveals that important wind resistance factors are in place, it can lead to reduced insurance premiums.

What Is A Wind Mitigation inspection For?

A wind mitigation inspection in Cape Coral, Florida is a specialized evaluation conducted to extensively and exclusively inspect your roof. We check for the structural factors that affect the wind resistance of a roof.

The primary benefit of a wind mitigation inspection is potential savings on homeowners' insurance premiums. Florida law requires insurance companies to offer discounts or credits to homeowners who have certain wind mitigation features. By documenting these features, homeowners can qualify for reduced insurance costs, making the inspection a cost-effective measure for enhancing home safety and financial savings.

Aside from insurance premiums being reduced, you can gain the peace of mind knowing the measures your home has to protect against wind. With hurricane season running from June 1st to November 30th every year, that peace of mind - or lack of it - will be on your mind each season.

Are Wind Mitigation Inspections Mandatory?

A wind mitigation inspection is not required to purchase or sell a home in Cape Coral. However, it is highly recommended for homeowners and buyers. For homeowners, obtaining a wind mitigation inspection can result in significant savings on their insurance premiums. For buyers, knowing that a home has passed a wind mitigation inspection can provide peace of mind regarding the home's ability to withstand hurricane-force winds, potentially making the property more attractive and safer. The wind mitigation can also be submitted to the insurance company once home purchase has been made in hopes for a significant savings on insurance premiums.

While not mandatory, many insurance companies in Florida encourage wind mitigation inspections to assess risk and determine eligibility for discounts. As a result, it can be a valuable tool for both sellers and buyers in the real estate market.

How Do Insurance Discounts Work?

Since 2006, insurance companies offering home insurance in Florida have been mandated to offer discounts on the wind related portion of insurance premiums if a home meets certain criteria. Without a wind mitigation inspection to prove your home qualifies, your insurance company will not apply these discounts, which can range from 15% to 70% of the wind related premium.

Homes built in 2002 or later should have been built based on the 2002 Florida Building Code updates which include wind mitigation features. For older homes built before 2002, measures can be taken to retrofit the home to satisfy the new codes and qualify for insurance discounts. Either way, a certified wind mitigation inspection is required.

How Long Is The Wind Mitigation Inspection Valid For?

Wind Mitigation Inspection in Cape Coral expire after 5 years. At that point, a new inspection is required in order to maintain any insurance discounts.

How Much Of A Discount Does Wind Mitigation Provide On Home Insurance?

Wind Mitigation Inspections that verify a home is proper wind mitigation measures in place can lead to significant savings on home insurance premiums. It is common to see as much as a 15% to 70% reduction in wind related premiums.

Ask you home insurance company about the savings you might receive.

What Features Can Reduce Insurance Costs?

• The age and material of roof coverings.
• The use of sufficiently large nails and close spacing for roof deck installations, ideally using 8d nails.
• The type of connectors securing the roof trusses to the walls.
• The method of protecting openings like windows and glass doors with impact-resistant glass or shutters.
• Secondary Water Resistance (SWR), also known as peel and stick, offers an extra layer to reduce the chance of roof leaks if the primary covering is damaged in a windstorm.
• Newly constructed homes that adhere to the Florida Building Code since March 1, 2002.
• Homes constructed according to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.

What If My Home Does Not Pass Inspection?

Paradise Inspections LLC provides a detailed Wind Mitigation Report that reveals what wind mitigation measures are in place and which ones aren't. This information is used by insurance companies to determine your eligibility for discounts. If your property is missing certain measures, you may have a reputable, licensed contractor make the improvements. Once improvements have been completed, simply complete a new Wind Mitigation Inspection to provide your insurance company. Additionally, some improvements qualify for tax rebates in Florida.

How Much Does A Wind Mitigation Inspection Cost?

We provide a convenient online quote tool, so you can see the exact price you will pay for your inspection service.