All HomePro Inspectors have passed the State of Florida My Safe Florida Home Wind and Hurricane Mitigation Inspector Training class. Insurance inspection requirements do vary, therefore you should consult with your specific insurance provider concerning any specific requirements prior to booking your inspection appointment.

HomePro Inspections has provided insurance inspections for: Citizens Property Insurance Corporation, State Farm, Allstate, Geico, American National, and many others.

NOTE: HomePro is not an insurance company and cannot guarantee that the your inspection will approve your home for insurance coverage, or reduce your premium.

Frequently Asked Questions Regarding Wind Mitigation Insurance Inspections

1. How can I be assured that my home will qualify for wind discounts?
2. What is the value of wind discounts for my homeowner's insurance?
3. What construction features qualify for wind discounts?
4. If my home doesn't have many or any features that qualify for a wind discount, what can I do to add these features to my home?
5. How much does a wind inspection cost?

1. How can I be assured that my home will qualify for wind discounts?

Over 90% of existing houses have one or more of these wind resistive construction features and may qualify for some 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 credits.

2. What is the value of wind discounts for my homeowner's insurance?

The dollar value of the discounts depends on three primary factors: 1) the number of wind resistive construction features present on your home, 2) the location of your home, and 3) the value of your home.

Some individual features may qualify for 10% discount and others only a few percent. The more wind resistive features you have, the higher total discount will be. The discounts can be as high as 40% of the wind portion of the insurance premium. (The portion of your premium that is for wind losses is provided on your policy declaration page). Wind rates vary by location within the state. If your wind insurance rates are high, then the percentage discounts will result in more dollars for a house in a high rate area versus the same house in a lower rate area. Discounts are ultimately calculated as a percentage of the wind premium for your specific home. High value homes have higher premiums, hence, the dollar value of the discounts will increase as the value of the home increases. Contact your insurance agent/company to determine the potential value of the discounts for your home. Click here for more information.

3. What construction features qualify for wind discounts?

The following items are building features that reduce wind damage for which many insurance companies offer wind premium discounts:

• Roof coverings, such as shingles that meet the Florida Building Code (FBC) Requirements.
• Roof decks that have been installed with large nails and close spacing.
• Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.
• Hurricane clips/straps that hold the roof structure to the walls.
• Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems.
• Newly Constructed Homes built to the Florida Building Code since March 1, 2002.
• Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.

  Please note that insurance companies may have more features that qualify for credits such as doors and gable end bracing.

4. If my home doesn't have many or any features that qualify for a wind discount, what can I do to add these features to my home?

Some features are easily retrofitted to qualify for insurance discounts; others may not be cost effective unless there is a specific need to upgrade anyway. Among the items you can add or change include, but may not be limited to:

• replace old roof covering and add secondary water resistance (SWR)
• renail sheathing
• apply adhesive to roof deck and rafters
• install approved window, sliding glass door, and door opening protections
• upgrade garage doors
• upgrade entry doors
• install skylight protection
• upgrade roof to wall connections
• brace the gable end of the roof

5. How much does a wind inspection cost?

Pricing for wind mitigation inspections vary depending on the size of the home. Call our office for a quote, or contact us using our convenient online form.