Welcome to Square 1 Home Inspection - Formally Carl's Inspection Services
Home insurance companies focus on evaluating and handling risk. So in the state of Florida where strong winds can cause serious damage, you should expect an insurance premium. However, by getting a wind mitigation report with your home inspection, you may be able to cut these expenses.
A wind mitigation report is provided after a home inspector performs an inspection and looks for techniques to make your home less vulnerable to the risks brought by strong winds (for example, roof deck attachment, shutters, or other construction features). By taking good care of windows, doors, walls, and roofs, your home can be prepared for these winds.
Wind mitigation is the use of certain building techniques that limit damage caused by intense winds. Here in the Sarasota and surrounding counties, our homes and businesses are at risk for damage during hurricane season. Wind mitigation has become increasingly important for homeowners in the Southwest region, as insurance companies look to decrease their risk. Some insurance companies will raise rates for homeowners who do not meet the latest state standards. There are also incentives available to help homeowners make improvements to their homes.
This is the only inspection that can help lower your homeowner’s insurance.
In 2006, Citizens Insurance, one of the largest property insurers in Florida, requested a 45% rate increase for wind insurance. Other insurers took similar actions.
In Florida, the portion of a home owner’s premium covering wind damage can be up to 70% of the total, depending on the location.
Wind mitigation benefits homeowners, private insurers, and all levels of government.