We are the leader in performing detailed evaluations of buildings for insurance risk managment, wind mitigation construction features, sink holes, roof inspections, insurance claims and hurricane contruction. We have performed thousands of Insurance Inspections, Insurance Claims, Hurricane Replacement Systems And Roof Construction Services....
Disaster Mitigation is any action or measure that either helps prevent or holds off the occurrence of a disaster or reduces the severity of its effects.
Two-story luxury stilt home design built oceanfront with ground level breakaway walls.
Insurance Inspections Of Florida is State Licensed, Insured and Certified to Service all related Requests.
Commercial Building Inspections Insurance/Property Loss Inspections Roof Inspections Roof Repair or Replacement Services Roof Condition Certification For Citizens Insurance Emergency/Disaster Roof Protection and Repair Services Disaster Response Services Large Multi- Building Commercial property Inspections
(State Of Florida Licensed Insurance Adjuster & FEMA Flood Adjuster, Licensed General Contractor and Licensed Roofing Contractor On Staff.)
What construction features qualify for discounts from most Florida insurance companies?
The following items are building features that reduce wind damage for which many insurance companies offer wind premium discounts..
1. Roof coverings, such as shingles that meet the FBC Requirements. 2. Roof decks that have been installed with large nails and close spacing. 3. Hurricane clips/straps that hold the roof structure to the walls. 4. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems. 5. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm. 6. Newly Constructed Homes built to the Florida Building Code since March 1, 2002 7. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.
Please note that insurance companies may have more features that qualify for credits such as doors and gable end bracing.
What is the value of the Insurance Discounts?
The dollar value of the discounts depends on three primary factors.
The number of wind resistive construction features present on your home - Some individual features may qualify for 10% discount and others only a few percent. The more wind resistive features you have, the higher total discount will be. The discounts can be as high as 40% or more of the wind portion of the insurance premium. (The portion of your premium that is for wind losses is provided on your policy declaration page).
The location of your home-Wind insurance rates vary by location within the state. If your wind insurance rates are high, then the percentage discounts will result in more dollars for a house in a high rate area versus the same house in a lower rate area.
The value of your home- Discounts are calculated as a percentage of the wind premium for your specific home. High value homes have higher premiums, hence, the dollar value of the discounts will increase as the value of the home increases.
