Wind mitigation inspection in Florida by an approved wind mitigation inspector may reduce your windstorm insurance premium.
A Wind Mitigation Inspection is a valuable inspection service that may reduce your windstorm insurance. Wind Insurance discounts are available for building features that reduce damage during high wind events. The Wind Mitigation discounts are justified because stronger, more wind-resistive structures have less damage during windstorms, which mean reduced costs to wind insurance companies. The South Florida Building Code with its hurricane mitigation provisions was implemented in September of 1994. In 2002 the improved structural portions of the South Florida Building Code were absorbed into the Florida Building Code as the High Velocity Hurricane Zone (HVHZ) provisions, which are applicable within Miami-Dade and Broward Counties. Most existing structures have one or more wind resistive construction features and may qualify for some Wind Mitigation insurance discounts. Miami-Dade and Broward homes have had these wind resistive features since the 1994 South Florida Building Code went into effect after hurricane Andrew.
Knowing the wind mitigation features of the home will help to eliminate surprises, lower your risk, and give you peace of mind. It is our goal to provide you with the knowledge and information you need to make an informed decision. We provide a comprehensive and unbiased analysis of the home's wind mitigation features in a format that is easy to understand. We will review and advise on such wind protective freatures.opening protection- wheater or not it is approved for use in the HVHZ: Are your openings protected with Miami-Dade Product Approved devices tested to withstand a Large Missile Impact.
The state of Florida REQUIRES insurance companies to offer REDUCED RATES for wind resistant features. We will inspect your home and produce a wind mitigation inspection report for you inorder to obtain your refund or discount from your insurance carrier. To qualify for a Wind Mitigation Discount and/or rebate on your existing wind insurance policy, windstorm insurance companies require a licensed building professional certification (Wind Mitigation Inspection) of the structure. We will also make suggestions on ways you might even increase your wind mitigation discount.
Schedule Your WIND MITIGATION INSPECTION: (786)282-9031
Wind Storm Protection Pays:
Find out how your investment in wind-resistant building techniques can save you money and more important protect your family against wind bourne debris damage. Knowing the wind mitigation features of the home before you buy will help to eliminate surprises, lower your risk, and give you peace of mind. It is our goal to provide you with the knowledge and information you need to make an informed decision. We provide a comprehensive and unbiased analysis of the home's wind mitigation features in a format that is easy to understand. We will review and advise on such wind protective freatures.opening protection- wheater or not it is approved for use in the HVHZ: Are your openings protected with Miami-Dade Product Approved devices tested to withstand a Large Missile Impact
.
What is “HVHZ”?
The High Velocity Hurricane Zone is defined in Florida law as Dade and Broward counties. The abbreviation is not related to any particular wind velocity: however it does account for the terrain exposure which is considered in the wind bourne debris protection devices used. The High Velocity Hurricane Zone (HVHZ) is a direct descendent and remnant of the “South Florida Building Code”. Prior to the development and implementation of the Florida Building Code, building jurisdictions of Florida could choose which building code to use in their own area. Dade and Broward counties had their own specific building code. The HVHZ zone has its own special building code provisions unlike those in the remainder of the state.
Homeowners in Dade and Broward counties with homes built or roofs replaced after the 1994 are potentially eligible for insurance discounts or credits. 
In all other counties, roof covering must meet requirements of the 2001 Florida Building Code (FBC) which went into effect on March 1, 2002 in order to qualify for potential insurance credits or discounts.
We specialize in inspections for the insurance industry (wind mitigation inspection, wind certification , third party wind mitigation verification, 4-point inspection). Every Miami-Dade and Broward homeowner should take advantage of the benefits of having a Wind Mitigation Inspection to qualify for premium discounts on your windstorm insurance. Insurance companies require the Wind Certification by a certified windstorm inspector to document the buildings wind mitigation features.
What is a Wind Mitigation Inspection ?
In Florida, for example, premium wind discounts for certain favorable wind mitigation features are mandated by Florida State law and may total 50% of the original windstorm policy's premium. An approved wind mitigation inspector will document your homes wind resistive features and provide a wind certification report using the required
Uniform Mitigation Verification Inspection Form (OIR-B1-1802 ,Rev.02/10). A homeowner with wind insurance can submit the results of the wind mitigation inspection to their wind insurer to obtain discounts on their windstorm insurance.
We also make suggestions on ways to strenghten your home against windstorms, using Large Missle Impact Rated Products for use in the High Velocity Hurricane Zone (HVHZ).
(786) 282-9031 .... (305) 525-6059
Why are Windstorm insurance companies offering the discounts?
The Florida state legislation adopted provisions for a new statewide Florida building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for wind insurance companies to provide wind insurance discounts for homes that have construction features that reduce the losses in a windstorm. Each wind insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The wind mitigation discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower wind losses mean reduced costs to wind insurance companies. The wind insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new wind insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these wind mitigation discounts, wind insurance companies require a wind mitigation inspection-certification of the key construction features.
Wind construction features protect your home from catastrophic hurricane damage by strengthening your homes ability to withstand the uplift, shear and lateral forces of the wind associated with a hurricane to the exterior shell of your home. The features enhance the vulnerable components of your home's wind protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail in high winds. If this wind protective shell or envelope is breached, not only can wind-driven rain and debris enter your home causing considerable damage to its interior, but the high winds can enter your home and exert pressure on your walls and roof leading to catastrophic damage to your property.
To qualify for a Wind Mitigation Discount and/or wind insurance rebate on your existing wind insurance policy, insurance companies require a Florida licensed building professionals certification of the structure (wind mitigation inspection-wind certification). Our $100 wind mitigation inspection fee will cover all related aspects of the Wind Mitigation inspection and wind mitigation certification.
We also make suggestions on ways to strenghten your home against windstorms using Large Missle Impact Rated Products for use in the High Velocity Hurricane Zone (HVHZ).
wid mitigation inspection/wind mitigation
(786) 282-9031 ..... (305) 525-6059
Wind Mitigation Inspection Questions and Answers
1) How do I know if I will qualify for a Wind Mitigation discount?
Just “Schedule A Wind Mitigation Inspection” call us at (786) 282-9031 . A qualified wind inspector will document your homes construction features and inform you of the windstorm mitigation features present. Opening protection, roof geometry, roof covering, roof drck , nail size nail spacing, roof to wall connections, single wrap, clips, toenail, NOA, Miami-Dade Product Control Approved, Large Missile Impact Rated for use in the HVHZ. You have nothing to lose and may save on your wind (windstorm) insurance policy. wind+mitigation inspection wind+mitigation inspection
2) Do I need to have hurricane shutters to qualify for these wind insurance discounts?
No. Many other wind resistant construction features can also qualify for wind insurance discounts.
3) What are you going to inspect and how long does the wind+mitigation inspection take?
As a licensed wind Inspector will only document those items and construction features specifically listed on your wind insurance carrier’s wind mitigation form (OIR-B1-1802) nothing else is inspected or reported to the insurance company). The entire wind mitigation inspection will only take 20 minutes at most
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4) When do I pay you for the wind mitigation inpection? Opening protection, roof geometry, roof covering, roof drck , nail size nail spacing, roof to wall connections, single wrap, clips, toenail, NOA, Miami-Dade Product Control Approved, Large Missile Impact Rated for use in the HVHZ
We require payment at the time of the wind mitigation inspection. Your wind certification report will be forwarded to the home owner via e-mail (pdf) the next business day. Upon your request we will gladly forward the wind certification to your insurance agent.
5) Why are insurance companies offering the wind mitigation discounts?
The Florida state legislation adopted provisions for a new statewide Florida building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for wind insurance companies to provide wind insurance discounts for homes that have wind construction features that reduce the losses in a windstorm. Each wind insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction+(windstorm mitigation) construction features. The wind+windstorm mitigation discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to wind insurance companies. The wind+mitigation insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new windstorn insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). Miami-Dade and Broward homeowner's have many wind+windstorm resistant features that qualify for wind+windstorm insurance+premium credits. To qualify for these discounts, windstorm insurance companies require a wind mitigation certification of the key construction features, with a wind mitigation certification inspection. In December 2006, the Office promulgated Rule 69O-170.017 which required all property insurers to provide to the Office higher windstorm discounts in their insurance rates for policyholders who had recognized wind mitigation devices on their homes no later than March 1, 2007. The Rule requires insurers to send a list of those wind+windstorm discounts with exact dollar savings to all new and renewed policyholders. Insurers must start sending the “Notice of Premium Discounts for Hurricane Loss Mitigation” form (OIR-B1-1655) to new and renewing policyholders starting September 5, 2007. Miami-Dade and Broward homes have had these wind resistive features since the 1994 South Florida Building Code went into effect after hurricane Andrew.
6) What wind+(windstorm) construction features qualify for wind mitigation discounts?Opening protection, roof geometry, roof covering, roof drck , nail size nail spacing, roof to wall connections, single wrap, clips, toenail, NOA, Miami-Dade Product Control Approved, Large Missile Impact Rated for use in the HVHZ
The following figure shows typical features that reduce wind damage. Existing houses have one or more of these wind resistive construction features and may qualify for some windstorm insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant wind (windstorm) premium credits.
((( 786) 282-9031 ..... (305) 525-6059
Wind Mitigation Inspections Miami-Dade County
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