Sign up for the Edgewater Homes newsletter. Read the latest news and events in and around the Englewood,
Florida area and receive updates when we add new floorplans to our portfolio.
A windstorm mitigation inspection is the result of Florida state
statute 626.0629 that requires insurance companies to provide Florida homeowners "discounts, credits, or
other rate differentials..." for construction techniques that reduce damage and loss in windstorms.
When you apply for homeowners insurance, your insurance agent uses the date your home was built to determine
your rates. The rate calculations are based on your home having none of the current or required construction
methods or techniques that could qualify you for yearly discounts.
Strict building codes were implemented in Florida in 2002, and revised again in 2007 in order to reduce
the amount of damage caused during Florida's hurricane season. Some builders have been using techniques
that are now required by law for many years as standard building procedures. Items such as foundation
anchor bolts, hurricane straps, reinforced roof deck, and hip roofs are just a
few of the qualities your home may possess that may help you receive discounts on your homeowners insurance
premiums.
It is estimated that wind coverage can constitue 15% to 70% of your total premium depending on
where you live. Depending on the construction techniques used in the construction of your home along with
any installed protection measures such as hurricane shutters, you may be eligible for yearly
discounts on your homeowners insurance premiums with one inspection. The state of Florida has provided a
Wind Insurance Savings Calculator
to assist homeowners in estimating how much you may be eligible to save every year on their
insurance premiums.
Although the State's "free" My Safe Florida Home
program has ended, our charges are minimal compared to the annual savings that most of our clients now benefit from.
We utilize the forms created by the state of Florida's Office of Insurance Regulation (OIR) to provide you
a windstorm mitigation and/or four-point inspection. Our inspector will schedule a time to come and inspect
your home when it is most convenient for you. The inspection is valid for five years and must be provided to your
insurance company in order to qualify for any insurance. It is your responsibility to submit the forms. Please
call or email us for
current rates.
Contact us
today to schedule your hurricane mitigation inspection. Edgewater Homes can perform inspections on single
family homes as well as condominium units in order to help you save as much as possible on your homeowners
insurance premiums. We are also a state certified building contractor that can assist you in the
purchase and installation of hurricane shutters,
PGT WinGuard
hurricane resistant windows and doors as well as remodels and additions that meet current stringent building
codes.