Wednesday, February 17, 2016

"I'll huff and I'll puff, and...

Wind damage

Hurricane Andrew was a Category 5 hurricane that swept through Florida in 1992. Winds were determined to reach as high as 165 miles per hour. The storm caused over an estimated $26 billion in damages.  Simply put, Florida was not ready and has since increased building regulations, codes, best practices, products, and disaster relief programs.

Insurance companies provide nice discounts on your rates if your home qualifies. Here is a list of a few of those items, which if present, could save you money - as much as 70% or more for some items. 

Discounts may be provided for:

  1. Roof installed after 2002
  2. Full hip roof
  3. Hurricane ties
  4. Decking attached with 6d or 8d nails
  5. Deck nails spaced every 6 inches
  6. Hurricane rated openings

This list is not all inclusive, and there are other items which provide discounts. However, these are the more commonly found items that I see in our region of Tallahassee, FL. Generally, you should expect to save enough in the first year to offset the cost of the inspection if you have any of the qualified items. Here is a neat calculator I found which should help you determine if you qualify at all: Savings Calculator.  

This is a win-win for insurance companies. They want you to qualify and gladly charge you less each year because their (and your) risk is lower. More information can also be found here: Wind Mitigation Inspector.


Thomas Ailstock, CPI - FL# HI9155
Blue Bear Home Inspection, LLC

Providing the Best Service Possible

1 comment:

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