Contact your insurance agent or company and ask what features or upgrades they offer discounts or credits for, and what you need to do to qualify.
You may save money on your homeowners’ insurance in many ways. These savings are generally classified as hurricane or mitigation-related discounts or credits. Best roofer for a free wind mitigation inspection,
Roof Geometry: Hip Roof about 28%
Roof Covering: Florida Building Code Approved Shingles about 7%
Roof Deck Attachment: Plywood/OSB with 8d nails (spaced 6”/6” or 6”/12” apart) about 9% Dimensional Lumber about 9%
Roof-To-Wall Attachment: Clips about 18% Single Wrap about 20% Double Wrap about 21%
Secondary Water Resistance (SWR): Approximately; SWR applied to a hip roof 32% SWR applied to other roof shapes 6%
Opening Protection: Hurricane Rated Shutters about 39% Basic Shutters about 29%
Check with your agent to find out how much you can save. The credits only apply to the wind portion of your insurance, which is about %15 to %70 of your policy. A State Certified Inspector for Wind Mitigation analysis for all property owners in the State of Florida is required. We are licensed and insured (Florida State Certified Residential Contractor and Florida State Certified Home Inspectors) to provide this valuable service in an effort to reduce the cost of your homeowners insurance rates. Additionally, we are pleased 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. Free wind mitigation inspection with every new roof in Pinellas by Dunn Contracting.
The State Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Wind Mitigation features.
We will document the Wind Mitigation features present in your home and produce a WIND MITIGATION CERTIFICATE for you to use in order to receive your wind mitigation credits on your Wind Insurance policy. The Wind Mitigation Inspection must be performed by Certified Wind Mitigation Inspectors.
Uniform Mitigation Verification Inspection Form (OIR-B1-1802) - this form was developed by the Office of Insurance Regulation and must be completed and signed by a Qualified Inspector.
What Dunn Contracting inspects: Uniform Mitigation Verification Inspection Form (OIR-B1-1802) - this form was developed by the Office of Insurance Regulation and must be completed and signed by a Qualified Inspector. Best roofer for your free wind mitigation inspection.
1.Verification of the FL building code that the structure was designed and built to (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit)
2.Verification and inspection of the predominant roof covering installed (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit)
3.Inspection of the roof deck attachment including the size & spacing of nails/screws/adhesives that can certify an uplift of a) 55 psf, b) 103 psf, or c) 182 psf or better (103 psf, 182 psf or stronger will benefit)
5.Inspection of the roof to wall connection on EVERY rafter/truss of a) toe nails, b) clips, c) single wraps,d) double wraps, or e) structural connection (anything better than toe nails will benefit)
6.Determination of the roof geometry – a) Hip Roof, b) Non-Hip Roof, or c) Flat Roof (a Hip Roof with less than 10% of any other roof shape and less than 100 sq ft of flat area will benefit).
7.On a gable roof, the inspection of any gable end bracing that meets the 2001 FL building code or stronger will benefit (currently this credit is not being given by many insurance companies).
8.Verification of the wall construction type – a) wood frame, b) un-reinforced masonry, c) reinforced masonry, or d) poured concrete (reinforced masonry or poured concrete equaling 70% or more of the wall construction will benefit although each company views this differently).
9.The inspection and verification of any Secondary Water Resistance applied to protect the dwelling from water intrusion (currently only a self-adhering polymer modified bitumen “peel and stick” or a foam adhesive barrier applied to every seam on the roof deck and applied to each side of every rafter or truss will benefit).
10.Verification and inspection of wind borne debris protection on every exterior opening – including the windows, doors, garage doors, & skylights (Impact Resistant coverings that meet the FL Building Code or Miami-Dade approval will benefit the most. Non Miami-Dade or Non FL Building Code shutters along with plywood or OSB coverings depending on how strong and how it is installed may receive a discount).
Free wind mitigation inspection with every new roof in Pinellas by Dunn Contracting.
Click "Calculate Your Savings" to determine what level of savings you may be eligible for.