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.
Doing wind inspections help homeowners to reduce their mortgage payments by asking for credits 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. In Florida, countys with a coastline are termed as high wind borne debris zone. This classification means that houses have to be constructed a certain way to avoid damage from high winds and wind borne debris. There are specific techniques that are used when building this homes, the roof truss has to have a metal strap tying it down to the walls which have to have reinforcing bars if made of cement and stud bolts through the bottom plate if they are made of wood. The bolts and rebar are essential because they secure the home to the foundation slab and prevent the high winds from lifting or twisting the structure.
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. Roof construction is the reason for getting a wind inspection because it will correspond to the most significant reduction in the homeowner’s premium. Since homes built after 2002 and many built prior to that have a high wind type of construction. If the roof had been replaced in the past year, new Florida legislation has made upgrading the roof construction necessary. Many Florida homeowners can reduce their mortgage payments, but they don’t even know it.
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.