Monday, July 22, 2013

Homeowners - Wind Inspections Reduce Your Mortgage Payment

Wind Inspections are helping homeowner's reduce their mortgage payments by applying for credits on their homeowners insurance policy.  Eligible credits include new home discounts, wind mitigation credits, type of construction discounts like concrete block with rebar, and alarm discounts like fire or burglary.  In Florida every county with a coastline has areas considered high wind borne debris zones.  Because of this classification, homes have to be constructed to withstand high winds and wind blown debris.  That means each roof truss must have a metal strap tying it down to the walls and the walls have to have reinforcing bar if made of cement or cement block and stud bolts through the bottom plate if they are made of wood.  These bolts and rebar secure the home to the foundation slab preventing a strong wind for lifting or twisting the structure.

Other important building designs include the use of 8-10d nails to fasten the roof deck, bracing on gables or hip roof construction, hurricane shutters over all the openings like windows and doors or the use of impact and wind resistant products.  The roof construction is generally the best reason to get a wind inspection because it corresponds to the largest reduction in a homeowner's premium.  Since every home built after 2002 and many built prior to that have the high wind type construction.  If you had your roof replaced in the past year, new Florida legislation made updating the roof construction mandatory.  That means many Florida homeowners are sitting on an opportunity to reduce their mortgage payments and don't even know it.

In today's economy, reducing your monthly mortgage payment can mean the difference that keeps you in your home. And it is as easy as getting a wind inspection. Some homeowners can qualify for inspections at reduced prices.  If you want to have a wind mitigation inspection conducted on your property some inspectors are helping to make it easier by offering their services for a discounted fee.  Outside of installing shutters and hurricane-proofing your home, you can shop your policy and get the best premium for the same coverage or more appropriate coverage that fits your needs.

By J. Malan

J. Malan is the owner of Malan Group LLC. Brevard, FL's first choice in water damage repair and emergency water removal and remediation. Malan Group LLC offers a free wind inspection on all claims they handle. When you experience an insurance claim, we can handle all your repairs and settle directly with your insurance company with no out of pocket expense to the propery owner. []

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SitePro, LLC is a Florida - Certified Wind Mitigation Inspector in the Pensacola, Florida area. 

362 Gulf Breeze Parkway, #214
Gulf Breeze, Florida 32561
850.934.6800  (Office)
850.485.3209  (Cell / Text Msg)

Certified Residential Building Code Inspector ICC-5319905
Florida-State Certified Master Home Inspector Lic. #HI89
Florida-Certified Wind Mitigation Inspector
203(k) FHA/HUD Consultant #A0900
WDO Certificate #JE190791 
NACHI #10071802

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