A mitigation inspection, also referred to as a wind mitigation inspection and Uniform Mitigation Verification Inspection form, is to determine the appropriateness of a particular structure's construction in the event of strong winds (hurricanes, tropical storms and other windstorm-related claims).
Florida was one of the first states to mandate that insurance companies offer some reduction in the insurance costs if a wind mitigation inspection is completed by a qualified inspector. A qualified inspector would be a licensed general contractor, building contractor, architect, engineer, building inspector or a home inspector.
All of the following types of structures could potentially qualify for wind mitigation inspections:
Wind mitigation discounts are applied towards the windstorm portion of your total insurance premium. The number of wind-resistive construction features present on your home, condo, or townhome (the more wind resistive features you have), the higher the total discount will be for your property. These discounts apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida building code (FBC).
Inspectors will collect the following information on 7 key categories during their inspections:
Lastly, all inspections must have color photos showing each feature listed on the Wind Mitigation inspection.
If you have any questions as to whether a wind mitigation inspection would benefit you, please feel free to contact us!
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