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We want you to be an informed homebuyer, and each blog post is a question that we have answered for our friends and customers over the years. Hope they help you make a good choice for your next home.

    But the statute does not require a homeowner to get the wind mitigation inspection in order to insure a home. You can provide the form after getting your policy and the company must grant you the discounts when you present it. Insurance agents ask for one—and some come close to insisting that you provide it—because they want to give you the most competitive rate quote.

    A wind mitigation inspection costs around $150, and some homeowners get amazing savings of up to 40% on their premium. But the savings are based on storm-resistant features that the inspector finds and documents with photographs submitted with the form. Homes built before 1960 will get a minimal discount or none at all, unless storm-resistant features have been retrofitted.

    If you are about to purchase a Florida home and plan on getting a home inspection, ask you inspector to estimate what discounts you are likely to get based on the construction details observed. It will only be a rough guess because each company offers different discounts and the wind mitigation inspection must to done separately to fully evaluate what discounts are available. So your inspector can only give you an approximation of what to expect. Also, your discount is calculated as a percentage of the premium, so a larger house will get a corresponding larger discount.

   For an item-by-item breakdown of each discount category, go to our blog post ”Why did I get no discounts or only a small discount from my wind mitigation inspection?”

While we hope you find this series of articles about home inspection helpful, they should not be considered an alternative to an actual home inspection by a local inspector. Also, construction standards vary in different parts of the country and it is possible that important issues related to your area may not be covered here.
© McGarry and Madsen Inspection

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