The Importance Of Wind Mitigation Inspection
Wind mitigation is the dynamics of adding specific features to your home that will help to withstand or increase resistance to high winds that are caused by a major storm or hurricane.
Doing wind inspections help homeowners to reduce their mortgage payments by asking for credits on their homeowner’s insurance policy. The following are credits that will be offered to you, wind mitigation credits, new home discounts, and alarm discounts like burglary or fire. In Florida, countys with a coastline are termed as high wind borne debris zone. Thus, homes have to be constructed in a way that they can withstand high winds and wind borne debris. The houses need to be constructed in a specific way, through using roof truss and tying it down to the walls using a metal strap, the walls also have to have reinforcing bars either made of cement block or stud bolts through the bottom plate if it is made of wood. The bolts and rebar are essential because they secure the home to the foundation slab and prevent the high winds from lifting or twisting the structure.
You can use other essential roofing designs such as the 8-10d nails to fasten the roof deck, bracing on the gables or hip roof construction, hurricane shutters over openings like the windows and doors or the use of impact and wind type construction. How the roof has been constructed is why you should get a wind inspection because it will go hand in hand with the largest reduction in the in the homeowner’s premium. As every home built after 2002 and before that have the high wind construction. If you replaced your roof in the past year, new Florida legislation made it mandatory to update the roof construction. This means that many Florida homeowners are sitting on an opportunity that can reduce their mortgage payments.
It is wise to reduce your home mortgage because it can mean the difference between you keeping your home or losing it. It is as simple as getting a wind inspection. Inspection is essential but not cheap, however some home owners qualify for checks at reduced prices. Tragedy, especially by hurricanes has shown a need for wind mitigation inspection and some inspectors have availed themselves by offering discounted fees to the homeowners. You can take another step, outside installing shutters and hurricane proofing your home, by shopping your policy and choosing the best premium for the same coverage.
Generally a wind mitigation inspector should be certified enough for them to identify critical features and add-ons that reduce the amount of damage your home may suffer in the event of a hurricane.