Wind Mitigation Miami Dade, Windstorm Inspection Hialeah

A Wind Mitigation is a valuable inspection service that may reduce your Windstorm Insurance. Windstorm Insurance discounts are available for building features that reduce damage during high Windstorm-Hurricane events. The Windstorm discounts are justified because stronger, more Windstorm-Hurricane -resistive structures have lower Windstorm-Hurricane  losses, which mean reduced costs to Insurance  companies. Most existing structures have one or more Windstorm-Hurricane resistive construction features and may qualify for some Windstorm-Hurricane Insurance discounts.

A Wind Mitigation Inspection can be performed for all single family homes, townhouses, condos and commercial buildings. Homeowner's and Condo Associations also qualify for Wind Mitigation credits. Call to see if a Windstorm Inspection would be recommended.

Windstorm-Hurricane construction features protect your home from catastrophic Windstorm-Hurricane damage by strengthening your home ability to withstand the uplift, shear and lateral forces of the Wind associated with a Windstorm-Hurricane to the exterior shell of your home. The features enhance the vulnerable components of your home 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 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.

A Windstorm Inspection look for construction features that have been shown to reduce losses in Windstorm-Hurricane, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of single or double roof straps, and the presence of a secondary water resistance barrier.

The State of Florida legislation has a requirement for Insurance companies to provide property Insurance discounts for homes that have Windstorm-Hurricane construction features that reduce the losses in a Winstorm-Hurricane.  Each Insurance company is required to submit discounts for Wind damage reduction (Mitigation) construction features. The discounts are justified because stronger, more Windstorm-Hurricane-resistive houses have lower Windstorm-Hurricane losses, and lower Windstorm-Hurricane losses mean reduced costs to Insurance companies. The 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. The 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 discounts, most Insurance companies require a Windstorm certification of the key construction features: Wind Mitigation Verification Inspection

The Office of Insurance Regulation (OIR) created the official form OIR B1-1802 to be completed by the following qualified Inspectors:

• Professional Engineer.

• Registered architect.

• Certified or registered residential or building contractor.

• Licensed building Inspector.

• Building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance).
  
  

 Wind Mitigation Miami Dade.

Windstorm Inspection Miami Dade.