Wind Mitigation FAQ | Florida Condo InsuranceWind Mitigation & Florida Condo InsuranceMany Florida condo owners may qualify for wind mitigation discounts on their condo insurance.
Wind mitigation features are construction features designed to help reduce wind damage during hurricanes and severe storms.
Providing a Wind Mitigation Inspection Report may help identify available discounts and improve quote accuracy.
What Is a Wind Mitigation Inspection Report?A Wind Mitigation Inspection Report documents wind-resistant construction features of a building.
The report may include information regarding:
Why Is Wind Mitigation Important?Florida insurance carriers may offer significant discounts for buildings with wind-resistant construction features.
Wind mitigation discounts may be especially important for:
High-Rise vs Low-Rise Condo BuildingsHigh-rise condo construction is often easier to estimate for wind-resistant construction features because many high-rise buildings share similar structural characteristics.
Low-rise condo buildings can be much harder to estimate accurately without a Wind Mitigation Inspection Report.
This is one reason Wind Mitigation Reports may be especially valuable for lower-rise condo construction.
Buildings Built After 2002Buildings constructed after the 2002 Florida Building Code changes may already include stronger wind-resistant construction features.
However, some insurance carriers may still request additional documentation or inspection information.
Do I Need a Wind Mitigation Report?Requirements vary by insurance carrier.
Most carriers:
Can Wind Mitigation Reports Lower Condo Insurance Premiums?In many cases, yes.
Wind mitigation discounts may help reduce premiums depending on:
How Do I Send My Wind Mitigation Report?Clients may send Wind Mitigation Reports by email or text.
Email:
[email protected]
Text:
772-617-0050
772-617-0055
To help us process reports faster, please include:
Our agency has more than 15 years of experience helping Florida condo owners understand Florida hurricane-related insurance issues and condo insurance requirements.
Wind mitigation features are construction features designed to help reduce wind damage during hurricanes and severe storms.
Providing a Wind Mitigation Inspection Report may help identify available discounts and improve quote accuracy.
What Is a Wind Mitigation Inspection Report?A Wind Mitigation Inspection Report documents wind-resistant construction features of a building.
The report may include information regarding:
- Roof shape
- Roof covering age
- Roof deck attachment
- Roof-to-wall connections
- Secondary water resistance
- Opening protection
Why Is Wind Mitigation Important?Florida insurance carriers may offer significant discounts for buildings with wind-resistant construction features.
Wind mitigation discounts may be especially important for:
- Pre-2002 construction
- Low-rise condo buildings
High-Rise vs Low-Rise Condo BuildingsHigh-rise condo construction is often easier to estimate for wind-resistant construction features because many high-rise buildings share similar structural characteristics.
Low-rise condo buildings can be much harder to estimate accurately without a Wind Mitigation Inspection Report.
This is one reason Wind Mitigation Reports may be especially valuable for lower-rise condo construction.
Buildings Built After 2002Buildings constructed after the 2002 Florida Building Code changes may already include stronger wind-resistant construction features.
However, some insurance carriers may still request additional documentation or inspection information.
Do I Need a Wind Mitigation Report?Requirements vary by insurance carrier.
Most carriers:
- Require a Wind Mitigation Report for any building built befroe 2002
- Qualify for wind credits up to 60%
- Improve quote accuracy
- Identify additional discounts
- Reduce underwriting questions
Can Wind Mitigation Reports Lower Condo Insurance Premiums?In many cases, yes.
Wind mitigation discounts may help reduce premiums depending on:
- Building construction
- Roof characteristics
- Hurricane protection features
How Do I Send My Wind Mitigation Report?Clients may send Wind Mitigation Reports by email or text.
Email:
[email protected]
Text:
772-617-0050
772-617-0055
To help us process reports faster, please include:
- Property address
- Condo association name
- Your contact information
Our agency has more than 15 years of experience helping Florida condo owners understand Florida hurricane-related insurance issues and condo insurance requirements.