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Have You Saved With A Wind Mitigation Inspection?

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We interviewed one of our clients, Douglas Inspection Service about Wind Mitigation Inspections. If you haven’t had one yet you may be able to save money on your Homeowners insurance! You can learn more about Wind Mitigation Inspections on our blog and read about them and Douglas Inspection below!

Q. How long is an inspection?
A. The time spent at the property is usually less than an hour. We do research prior to the appointment and at the home we verify the results of our research and confirm the way the roof is secured to the house. It really depends on how far into the attic the inspector has to go to find and photograph the features the insurer is looking for.

Q. What is your typical response time/ booking time?
A. We try to accommodate the homeowners schedule so it can vary. I would say always within a week of the request.

Q. What is the average price of your inspections?
A. We currently charge $100.00 for the wind mitigation inspection if the property is located in Orange or Seminole Counties. Since our office is based in Winter Springs, we do charge slightly higher rates if we have to travel more than 20 miles.

Q. Does the home owner have to be present for your inspections?
A. Most of the inspection is accomplished in the attic, we do need to have someone home to allow access.

Q. Can other things be done at the same time?
A. Yes, depending on the age of the home and/or roof, we can provide four point inspections and/or roof certifications. The four points are the plumbing, electrical, roof and mechanical (A/C) systems. While one or both of these inspections may be required to obtain coverage, the purpose of the wind mitigation inspection is solely to offer discounts on the policy premium. If we accomplish more than one inspection simultaneously, there may be a discount.

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About the Author

Jason Levine

Jason received a Masters of Science & Management in Risk Management & Insurance from Florida State University. He has been with Harry Levine Insurance for 9 years and handles the leadership of daily operations. He was the 2013-2014 Florida Association of Insurance Agents Young Agent Council's Agent of the Year. Currently serves on FAIA Board of Directors.

4 comments

  1. My insurance company is denying me renewal insurance claiming wear and tear of my roof when it has no leaks no shingles missing and was replaced 12 years ago.
    It has architectural shingles and gable roof.

    • Hello!

      Thank you for your comment. I’d need some more specifics to provide an explanation or any advice. There are some companies in the marketplace that moved to 10-year old roof restrictions, but I’m not aware of any cancellations based solely on a 10+ year age, especially on a roof as young as 12 years. I would speculate that you either had a recent claim or the company re-inspected, which is not uncommon. They are likely now asking for proof of repairs based on a claim, observed damage, or wear-and-tear.

      I’d be happy to take a closer look if you could provide more specifics such as the cancellation/non-renewal notice you’ve received and any claims history.

      Best of luck!

  2. It is my understanding that even if there wasn’t over 25% damage to the roof tiles from the hurricane, you may be entitled to a new roof if the tiles currently on the house are no longer be manufactured. Is this in fact, true? If so, how do I convince my insurance company?

    • Hi Don!

      Your question is a difficult one to answer. It likely depends upon your specific insurance contract and your specific local/state regulations. First, I dislike the word entitled. Insurance is not designed to provide building maintenance, deal with routine wear/tear or deliver upgrades. Insurance operates on the principal of indemnity, which is the process of returning one to their pre-loss condition. There are numerous insurance contract conditions and legal regulations in place to prevent claimants from profiting from insurance after a loss. The spirit of the system is to make one whole not better off.

      That said, there are certain jurisdictions that do require entire replacement of sets (whether it’s two wooden clogs or a big roof made of many matching tiles) if matching parts cannot be procured. It literally comes down to the letter of the law and your specific jurisdiction. Even local ordinances can have an effect on this.

      Are you currently in a claim dispute or is this a hypothetical? If it’s a scenario currently playing out for you I’d love to discuss the specifics and try and to offer my best professional and academic opinions. Please advise!

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