What Is “Wind Mitigation” and Why Do I Need It?
Wind mitigation is the process of adding features to your home that help withstand or increase resistance to high winds caused by a major storm or hurricane. Homeowners can receive substantial credits for outfitting their homes with windstorm mitigation features that withstand or are more resistant to high winds.
Why Do Florida Homeowners Need It?
1-Savings
According to the Florida Division of Emergency Management, 15% – 70% of home insurance premiums in Florida can be attributed to wind-damage risk. While there is an upfront cost involved, outfitting your home with wind mitigation features can result in significant long-term savings.
2-Safety
In addition to saving you money, mitigating your home against severe weather can also protect your family in the event of a major storm.
Wind Mitigation Techniques
Water Barriers
Seal your roof deck, or the layer in between the primary structure and the insulating layer of your roof, to prevent water intrusion that may otherwise occur if roof shingles blow away in extreme wind or from flying debris. This also provides an extra layer of insulation, making your home more energy efficient.
Roof to Foundation Anchoring
Reinforce your home’s walls to the roof and foundation to establish a continuous load path. This enables the outer structure of your home to resist strong winds.
Window and Door Coverings
There are several options available to help protect windows and other openings from the impact of strong wind and flying debris. Popular options include shatterproof windows and storm shutters. Hurricane-rated doors are recommended, especially for garage doors with large openings. Additional bracing can and should also be installed on existing garage doors.
How Long are Wind Mitigation Inspections Good For?
These features will all help to ultimately reduce the cost of your insurance premium. This inspection is valid for up to 5 years, so unless you change something on your home, it can follow you from company to company.
Need to schedule a new Wind Mitigation Inspection or have questions?
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