What is a Mitigation Inspection?
According to Florida Statute 626.0629, insurance companies are required to offer Florida homeowners “discounts, credits, or other rate differentials…” for construction techniques that mitigate risks reducing chances of damage and loss caused by windstorms. Mitigation Inspections are accepted to identify these building features.
Regulations and inspection techniques were created to incentivize homeowners to protect their homes reducing Insurance Premiums as a Public Service and to reduce overall looses at State level.
If a Homeowner expend resources to replace Roof with a “stronger” one in compliance with more recent Codes and to install Hurricane resistive windows and doors the Florida Statutes requires Insurance Companies to reduce Insurance premiums accordingly. Our qualified reports will certify these improvements and would inform Homeowners of additional possibilities to protect their homes and lower premiums.
Mitigation Inspection are not requested by the Insurance Agent or by the Insurance Company but by the Homeowner trying to check protection features and to reduce Insurance Premiums
The Mitigation Report will check Roof shape and deck attachment, Roof to wall connection, Existence of a Secondary water barrier, Gable end protection and Windows, skylight and doors protection
Our Mitigation inspection should eventually reduce insurance premium. Since all houses are different and there are some categories to be classified, only your insurance agent can tell you how much you are going to save once the report is issued. Report should be valid for 7 years even after renewals, change of ownership, cancellations, ect.