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Wind Mitigation: A Key Factor in Florida Home Insurance Saving

Writer's picture: Omar CruzOmar Cruz

Updated: Jan 21

Architectural Asphalt Shingle Roof
Architectural Asphalt Shingle Roof

Living in Florida means preparing for hurricane season. Wind mitigation is essential for protecting your home and saving on insurance premiums. But what is wind mitigation, and how does it help? 



What is Wind Mitigation? 

Wind mitigation involves making improvements to your home to resist strong winds and hurricanes. These enhancements can include reinforcing your roof, installing impact-resistant windows and doors, and adding secondary water barriers. 


Key Features 


  1. Roof Reinforcement: Securing the roof to the walls with metal straps or clips. 

  2. Impact-Resistant Windows and Doors: Installing windows and doors designed to withstand high winds. 

  3. Durable Roof Covering: Using strong materials like metal or architectural shingles. 

  4. Secondary Water Barrier: Adding an extra layer to prevent water from entering. 

  5. Gable End Bracing: Strengthening the gable ends to withstand wind pressure. 










Benefits for Homeowner's

Insurance 


  1. Insurance Discounts: Insurers offer discounts ranging from 5% to 45%, reducing your annual premium. 

  2. Lower Risk of Damage: Enhancing your home’s wind resistance decreases the likelihood of costly repairs. 

  3. Higher Property Value: Homes with wind mitigation are more attractive to buyers due to better protection and lower insurance costs. 

  4. Peace of Mind: Knowing your home is better equipped for hurricanes provides peace of mind. 


Potential Savings 

Homeowners can save between $500 to $1,500 annually on insurance premiums through wind mitigation. Some have reported savings of up to 85% on the windstorm portion of their policy. 


 Get Professional Wind Mitigation Inspections with DeLaCruz Team Home Inspections! 


To qualify for discounts, a licensed professional must conduct a wind mitigation inspection. The inspector will evaluate your home’s features and recommend improvements. You’ll receive a report to submit to your insurance company for discounts. 

Protect your home and save on insurance premiums with a comprehensive wind mitigation inspection from DeLaCruz Team Home Inspections. Our licensed professionals will evaluate your home's features and recommend improvements to enhance wind resistance. Schedule your inspection today and enjoy peace of mind knowing your home is better equipped for hurricane season. 


Conclusion 

Wind mitigation is a smart investment for Florida homeowners. It protects your home from severe weather and leads to substantial insurance savings. By fortifying your home, you're ensuring both physical and financial security against unpredictable weather events. 

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