Question 1

How long does a wind mitigation inspection take?

Accepted Answer

Most wind mitigation inspections take between 45 minutes to one hour, depending on the size and complexity of your home. The inspector needs access to your attic, exterior walls, and all opening protections to complete a thorough assessment of your property's wind-resistant features.

Question 2

How much can I save with a wind mitigation inspection?

Accepted Answer

Savings vary based on your home's features and insurance company, but many Florida homeowners save between $500 to $2,000 annually on insurance premiums. Homes with multiple qualifying wind mitigation features often see the highest discounts, with some achieving 40% or more reduction on the wind portion of their premium.

Question 3

Is a wind mitigation inspection the same as a four-point inspection?

Accepted Answer

No, these are separate inspections with different purposes. A wind mitigation inspection specifically evaluates features that protect against wind damage and qualify for insurance discounts. A four-point inspection assesses the condition of your home's major systems including roofing, electrical, plumbing, and HVAC, and is typically required for older homes when obtaining insurance coverage.

Question 4

Do I need a new inspection if I haven't made any changes to my home?

Accepted Answer

Wind mitigation reports are valid for five years in Florida. If your report is still current and you haven't made any structural changes, you can continue using it with your insurance company. However, if the report has expired or you've made improvements like installing impact windows or upgrading your roof, you'll need a new inspection to maintain or increase your discounts.

Question 5

Will my insurance company automatically apply the discounts?

Accepted Answer

No, you must submit your wind mitigation inspection report to your insurance company to receive the discounts. Insurance companies are required by Florida law to offer applicable discounts for qualifying features, but they won't automatically apply them without documentation. After submitting your report, follow up to ensure all eligible discounts have been applied to your policy.

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