A wind mitigation report is to determine how your home will hold up under the Hurricane conditions we face each year in Florida. After the storms of 2004 and 2005 the State of Florida changed building codes to help homes along the coast withstand stronger winds than ever before. So if your roof was installed in 2005 your home should be up to code and pass the wind mitigation report with flying colors.
For instance, recently I was helping a client to secure insurance
on a bay front townhome. The cost of the insurance was around $3000 per year. I found that the roof had been replaced after the storms of 2005 and I encouraged my client to have the Wind Mitigation report completed along with the home inspection. The roof had been installed in 2008 CREDITthe plywood was a certain thickness CREDIT the nails or screws had been installed within the spacing requirement CREDIT and the insurance policy was reduced from $3000 per year to $2377 per year. I discussed the report in detail with the insurance agent and he said “if the clips were installed he could reduce the rate to $1353 per year”. My client is planning to have the clips installed immediately after the closing to save another $1000 per year on his insurance policy.
So if you ask me; why do I need a Wind Mitigation Report? I will ask you; will you spend $75 to save thousands of dollars per year?
For more information about Wind Mitigation Reports and inspectors please contact me.
Bev Dudley, Realtor
Fleur de Lis Realty