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Latest News: The Florida Office of Insurance Regulation has just re-launched their Home Owner's Insurance rate comparison online site which lists insurance companies and their rates with and without max wind mitigation for replacement costs of $150,000 and $300,000. Click here to see how much you might save with a Wind Mitigation Inspection.
For as little as $90, a Wind Mitigation Inspection can save you up to 45% on you annual Home Owner's Insurance premium.
If your own a home in Southwest Florida, you most likely live in a "Wind Borne Debris Region" as defined by the state of Florida where design wind speeds range from 120mph to 130mph. In the case of Hurricane Andrew (1992), the maximum substained wind was calulated at approximatley 145mph with gusts estimated at 175mph. Roof failures and debris impact caused extensive damage through out the Miami-Dade area. Andrew caused $26.5 billion in damage and caused 65 deaths and left thousands of people homeless.
The effect of debris impact from Hurricane Andrew is demonstated in the following photos:
In 2001 Florida Statue 627.0629 was implemented:
627.0629 Residential property insurance; rate filings.- A rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented.
In the end, the statue created the Wind Mitigation Inspection which allows insurance carriers to evaluate the risk of an individual property and assign discounts where the home meets specific design and structural requirements. A standard report was created which would allow all insurance carriers to evaluate a home's wind risk based on a standard set of requirements. This report is called the "Uniform Mitigation Verfification Inspection Form" and the last revison was 02/2010. This report must be completed by a company or individual who qualifies as a Wind Mitigation Inspector as defined by the state of Florida. Accurate Home Inspections of America, LLC is a certified and state licensed (#HI2244) Wind Mitigation Inspection company.
