Spotlight

A Wind Mitigation Wind Inspection By SPOTLIGHT INSPECTIONS Can Reduce Your Insurance Policy Premiums Dramatically!

Why do You Need This Inspection? The purpose of wind mitigation inspections, is to lower your homeowner's insurance to the correct amount that you should have to pay to insure your house. The information provided in the wind mitigation report informs the insurance carrier of which standard features were employed in the construction, or added after the completion, of your house. If a wind mitigation inspection is not performed on a house, the insurance provider has no choice but to give the worst rating to the property.

The worst rating insures you will pay the highest amount that your insurance company can charge for the coverage that you receive. A wind mitigation inspection will insure that you receive the best price that your insurance carrier can provide for your home.

Insurance Customer Notifications Insurance companies are required by the state of Florida to notify their customers of the benefits a wind mitigation inspection will provide. Wind mitigation inspection notifications must be made any time a new policy is written, or an existing policy is renewed. Depending on your particular insurance carrier, the wind mitigation inspection notification may easy to find and understand, or confusing and hidden in legal jargon small print.

According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners "discounts, credits, or other rate differentials..." for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims. Spotlight Inspections is a State Certified Inspector for Wind Mitigation analysis for all property owners in the State of Florida. We provide this valuable service in an effort to reduce the cost of your homeowners insurance rates. Additionally, we are please to have the opportunity to educate you about the potential strengths and weaknesses of your properties wind resistive features and how to best protect your investment.

Wind Mitigation Inspection Process Your wind mitigation inspection will take between 30 and 45 minutes. The inspector will need access to your attic in order to locate your roof to wall connectors, roof deck attachment, secondary water barrier, and gable end bracing. Wind mitigation inspections require the inspector to obtain your hurricane shutter impact rating (if shutters are present). The wind mitigation inspection will also certify the house wall construction type, and the year the roof was installed. Your wind mitigation inspection and required pictures will be emailed to you, and filed with your agent at your request.