Serving South Florida and The Treasure Coast

Mack Inspection Services
Text Box: Save Money on you home owners insurance!!! Text Box: Windstorm Mitigation Certification To qualify for a Windstorm Mitigation Discount and/or rebate on your existing homeowner insurance policy, insurance companies require a licensed building professionals certification of the structure. Our inspection fee will cover all related aspects of the inspection and certification.  We can also make suggestions on ways you might even increase your discount. In the event you do not receive a discount and/or rebate that is at least equal to the cost of the inspection; we will promptly refund you the difference.  Please Note: We work directly with your Insurance Carrier in facilitating all appropriate wind mitigation discounts for your property. Questions and Answers 1) How do I know if I will qualify for a Windstorm Mitigation discount? Just “Schedule an Appointment” online or call us at 561-202-6120. You have nothing to lose and potentially you can save thousands! 2) Do I need to have hurricane shutters to qualify for these discounts? No. Many other construction features can also qualify. 3) What are you going to inspect and how long does the inspection take? Our licensed Inspectors will only check those items and construction features specifically listed on your insurance carrier’s windstorm mitigation form (nothing else is inspected or reported to the insurance company). Since we already work with every major insurance carrier in Florida, the odds are we already have the forms you need. The entire inspection will only take between 20 and 45 minutes at most. 4) When do I pay you? We require payment at the time of the inspection (or before). 5) Why are insurance companies offering the discounts? The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these discounts, most insurance companies require a certification of the key construction features. 6) What construction features qualify for discounts? The following figure shows typical features that reduce wind damage. Over 90% of existing houses have one or more of these wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant credits.  A. Roof coverings, such as shingles that meet the FBC Requirements. B. Roof decks that have been installed with large nails and close spacing. C. Hurricane clips/straps that hold the roof structure to the walls. D. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems. E. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm. F. Newly Constructed Homes built to the Florida Building Code since March 1, 2002 G. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994. Please note that insurance companies may have more features that qualify for credits such as doors and gable end bracing. Text Box: To contact us: Text Box: 7040 Seminole Pratt Whitney Rd Ste 25-139 Loxahatchee, Fl 33470 Click Here