The Importance Of Wind Mitigation Inspection
Wind mitigation is a process of adding features to your home that help in withstanding or increasing resistance to high winds which are caused by a major storm or hurricane.
Wind inspection will cut you some slack when it comes to lowering your mortgage payments, this can be done by applying for credits on your homeowners insurance policy. The following are credits that will be offered to you, wind mitigation credits, new home discounts, and alarm discounts like burglary or fire. Countys with a shoreline in Florida, have areas that are considered wind borne debris zones. Homes due to this discovery have to be built differently to withstand the high winds and wind borne debris. This means that certain things have to be put into account whilst building this home; each roof truss must have a metal strap tying it down to the walls, and the walls should have a reinforcing bar (if they are made of cement or cement block) and (stud bolts o through the bottom plate) if they are made of wood. The house is secured to the foundation by the bolt and rebar, and this prevents it from moving out of place and being lifted or turned.
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 you replaced your roof in the past year, new Florida legislation made it mandatory to update the roof construction. This means that many Florida homeowners are sitting on an opportunity that can reduce their mortgage payments.
In today’s economy you can keep your home just by reducing 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.