What Is a Windstorm Mitigation Inspection Report and Why Do You Need One?

Hurricanes, tornados, cyclones and other perils involving high winds are some of the most significant threats to your home and property. In many areas throughout the United States at high risk of wind-related damages, these incidents may not be covered under standard homeowners insurance. However, adding additional coverage may incur additional financial burdens. To help you acquire and maintain adequate financial security for your home while limiting the impact on your wallet, a windstorm mitigation inspection report may prove to be a valuable investment.

How Do Windstorm Mitigation Inspection Reports Work?

Windstorm mitigation inspections allow your homeowners insurance company to analyze your home’s ability to withstand high winds, such as those brought by hurricanes and other significant weather events. A certified inspector will be dispatched to your home to check on various elements of its structural integrity, including the ability of your roof, windows and doors to withstand strong winds.

If your inspector determines that your home is well-equipped to handle windstorms, you may qualify for significant savings on your homeowners insurance premiums. Sometimes, your insurance company may even be legally required to provide lower rates.

Who Needs a Windstorm Mitigation Inspection Report?

Many homeowners in areas prone to hurricanes can enjoy significant insurance discounts by conducting a windstorm mitigation inspection. Even if an inspector finds that your home does not currently qualify for lower rates, these inspections may also help you identify weaknesses in your property, allowing you to conduct maintenance and install upgrades capable of providing adequate wind protection. For Florida residents, homes built prior to 2002 or that have had their roofs replaced should consider windstorm inspections to be a top priority.

What Windstorm Mitigation Measures Can I Take?

When attempting to outfit your home with adequate windstorm mitigation, consider the following steps:

• Install a secondary, water-resistant layer on your roof to prevent leakage if shingles are dislodged by winds.
• Anchor your home’s walls to its roof and foundations to establish an uninterrupted layer of protection against heavy winds.
• Install stormproof doors on your home as well as on your garage.
• Use shatterproof glass for windows and doors with glass openings and consider installing storm shutters.

Get the Right Coverage

Windstorms can wreak havoc on your home and may lead to significant property damage and costly financial losses. Fortunately, a windstorm mitigation inspection can help you save on your homeowners insurance premiums and identify potential vulnerabilities in your home. By working with the dedicated staff at Ramey Insurance Agency, you can ensure your home is adequately covered for wind-related incidents while enjoying ideal rates on your policy. Visit our website or call 941-497-2468 to get started today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.