The Importance Of Wind Mitigation Inspection
Wind mitigation allows for the installment of features to your home , which can help it withstand or even increase its resistance to high winds that are caused by a major storm or hurricane.
Wind inspections are one way for a homeowner to save on costs by reducing their mortgage payments through applying for credit on their homeowner’s insurance policy. The right kind of credit is one that includes new home discounts, wind mitigation credits, construction discounts such as concrete block with rebar and alarm discounts like fire or burglary. Countys with a shoreline in Florida, have areas that are considered wind borne debris zones. Thus, homes have to be constructed in a way that they can withstand high winds and wind borne debris. This means that certain things have to be put into account whilst building this home; each roof truss must have a metal strap tying it down to the walls, and the walls should have a reinforcing bar (if they are made of cement or cement block) and (stud bolts o through the bottom plate) if they are made of wood. Those bolts and rebar keep the home in place, and help in avoiding damage because the structure will not be blown by wind or lifted and twisted.
There are other roofing designs that you can use, they include; use of 8-10d nails to fasten the roof deck ,bracing on gables or hip roof construction, hurricane shutters over all the openings like the windows and doors or the use of wind resistant products. Getting wind inspection for the roof construction is the best way for you to get a reduction in the homeowner’s premium. This is because every home built after 2002 and many built before that, have a high wind type construction. If the roof was replaced in the past year it is mandatory, according to the Florida legislation, to update the roof construction. This means that many Florida homeowners are sitting on an opportunity that can reduce their mortgage payments.
The economy has made it hard to stay home, thus in order for you to be able to keep your home it’s more comfortable and better if you can reduce your monthly mortgage payment. Getting a wind inspection is all that you need to do. Inspection is essential but not cheap, however some home owners qualify for checks at reduced prices. Tragedy, especially by hurricanes has shown a need for wind mitigation inspection and some inspectors have availed themselves by offering discounted fees to the homeowners. You can take another step, outside installing shutters and hurricane proofing your home, by shopping your policy and choosing the best premium for the same coverage.
Wind mitigation inspectors not only help in determining which credit is best for you, but they also ensure that your home has the safety requirements that it needs in the case of a hurricane.