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Homeowner's Insurance-Wind Loss Mitigation Inspection
Old 02-13-2011, 10:33 AM   #1
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Homeowner's Insurance-Wind Loss Mitigation Inspection

Homeowner's policy is up for renewal. My policy includes an inspection form for Maryland that can be completed by a licensed contractor which may qualify me for some savings. When I search the web for "wind loss mitigation" all the hits are for Florida. I will definitely follow up

What should I expect? I am hoping this will have an immediate payback.

...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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Old 02-13-2011, 11:28 AM   #2
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I'm guessing they're looking to confirm you have zero existing damage before beginning a coverage period.

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Old 02-13-2011, 12:24 PM   #3
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Without looking up anything on the internet, I would expect that they would look at your structure and how it was built. For example, is your roof actually attached to the structure below it with those metal straps and ties that they always write about. Do you have a hip roof? Or do you have lots of gables where the roof will fail in high winds? Do you have large trees cleared from around the near perimeter? Is your house made of straw, sticks, or bricks?

That kind of stuff.
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Old 02-13-2011, 01:42 PM   #4
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Most of the insurance agencies have someone who will do it . They come out and walk around your property and check out your roof . The cost was $160. A lot of insurance companies are requiring it now. My insurance dropped by $670 after the inspection and considering I live on the water in Florida I think that is great .
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Old 02-13-2011, 02:43 PM   #5
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I live in Florida and went through the inspection also. There was a program a few years ago that Florida ran and there was no cost to me. Home owners ins is real expensive down here and although the inspection did give me a savings I'm still getting ripped off.

Last year when I received my renewal I was reading through my policy. One of the pages said that I was not covered for Rain or Wind damage although I have Hurricane coverage as part of my policy. When I called the agent she said she never saw anything like that in a policy. She corrected it but I had to laugh. After all wouldn't a hurricane have Rain and Wind?
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