The Importance Of Wind Mitigation Inspection
Wind mitigation allows for the installment of features to your home , which can help it withstand or even increase its resistance to high winds that 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. In Florida, countys with a coastline are termed as high wind borne debris zone. This classification means that houses have to be constructed a certain way to avoid damage from high winds and wind borne debris. The houses need to be constructed in a specific way, through using roof truss and tying it down to the walls using a metal strap, the walls also have to have reinforcing bars either made of cement block or stud bolts through the bottom plate if it is made of wood. Those bolts and rebar keep the home in place, and help in avoiding damage because the structure will not be blown by wind or lifted and twisted.
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. How the roof has been constructed is why you should get a wind inspection because it will go hand in hand with the largest reduction in the in the homeowner’s premium. As every home built after 2002 and before that have the high wind construction. If the roof was replaced in the past year it is mandatory, according to the Florida legislation, to update the roof construction. This means that many Florida homeowners are sitting on an opportunity that can reduce their mortgage payments.
It is wise to reduce your home mortgage because it can mean the difference between you keeping your home or losing it. It is as simple as getting a wind inspection. 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. Shutter installation and hurricane-proofing is just but the few thing you can do, as you can also shop your policy for the best premium that offers the same coverage or more appropriate coverage that fits your needs.
Certified wind mitigation inspectors are professionals who know exactly what your house needs in the event of a hurricane or strong storm.