WIND MITIGATION INSPECTIONS
If you reside in Clearwater, Palm Harbor, Safety Harbor, Dunedin, St. Petersburg, Tampa, New Port Richey or anywhere within Pinellas, Pasco or Hillsborough County you should consider having a Wind Mitigation Inspection performed.
We hope you will select us as your Wind Mitigation Inspector.
DID YOU KNOW… A Wind Mitigation Inspection could save you up to 40 % or more on your Homeowner’s Insurance Windstorm premiums as well as to inform you on how to protect your property from Windstorm Damage whether you reside in the coastal areas of Clearwater, Dunedin, New Port Richey, St Pete or the surrounding Tampa Bay area. Florida law now requires insurance companies to offer homeowners and home buyers discounts off their Wind insurance premium for certain aspects of the dwelling that may prevent or reduce the amount of damage caused during Hurricanes and Tropical storms. The entire Wind Mitigation Inspection process takes approximately One Hour to complete. We only need access to the attic portion of the dwelling. Upon completion of the Wind Mitigation Inspection, our Inspector will complete a Uniform Verification Mitigation Form (OIR-B1-1802(Rev.01/12) which is the only form recognized by the Office of Insurance Regulation. The form along with the required photographs and documentation is completed the same day and emailed to you and your Insurance Agent in an easy to read PDF format. Your Insurance Agent will transmit the report to the Insurance Company on your behalf.
What Will We be Doing during the Inspection Without being too technical, our Inspectors here at ON THE GULF HOME INSPECTION SERVICES will be surveying the following components of your home:
- Roof Covering (asphalt shingles, tiles etc)
- Roof Deck composition (Plywood, Dimensional or OSB beneath the covering)
- Roof Deck attachment to the rafters (Staples, 6d or 8d nails)
- Roof to Wall attachment (how the rafters are attached to the exterior walls i.e. toe nailed, hurricane clips or straps)
- Roof Geometry – Hip, Gable or Flat which are the most common styles. (Only hip shaped roofs qualify for an insurance discount)
- Secondary Water Resistance (a layer of protection between the shingles and plywood commonly referred to as peel n stick)
- Opening Protection – Hurricane Impact and Wind resistant rated windows, shutters and garage doors. Please note 100% of all exterior openings must be protected to qualify for this particular insurance discount.
- Building Code Compliance
This is the date the house was built. All dwellings constructed after March 1, 2002 are considered to have been built in compliance with the 2001 Florida Building Code . Certain Wind Mitigation discounts will be automatically applied by the insurance carrier providing verification of the Building permit.
- HOW CAN I TAKE ADVANTAGE OF THESE DISCOUNTS?
Homeowners residing in Clearwater, Palm Harbor, Safety Harbor, St. Petersburg or the surrounding counties of Pinellas, Pasco and Hillsborough will need to hire a “qualified” Home Inspector who is Licensed in accordance with Section 468.8314 of The Florida Statutes. ON THE GULF HOME INSPECTION SERVICES Inspectors are Licensed and Qualified to conduct Wind Mitigation Inspections in accordance with the Statutes and Licensing Laws of the State of Florida. Since your Insurance Company will not request this type of Inspection, you or your Insurance Agent will need to contact us to perform the Inspection on your behalf. Having a Wind Mitigation Inspection performed is The Best Investment A Homeowner Could Make!” The best part being, you only need to have a Wind Mitigation Inspection performed once every 5 years as the policy discounts renew with your policy each year up to 5 years. Simply put, if you saved $800.00 the first year your total savings would be $4,000.00 0ver 5 years based on only one Wind Mitigation Inspection
Our Home Inspectors at ON THE GULF HOME INSPECTION SERVICES are available 7 days a week to perform this inspection for you. We service the Clearwater, Safety Harbor, St Pete and the surrounding Tampa Bay area to accommodate your schedule and all of your inspection needs. Contact us at 727-421-7650 or by Email for any questions you may have regarding a Wind Mitigation Inspection.