Living in an area prone to high winds or hurricanes can be a significant concern for many homeowners. In addition to posing a safety risk, strong winds can cause substantial damage to properties, leading to costly repairs. Fortunately, there are wind mitigation techniques that homeowners can implement to protect their homes and potentially lower their homeowners insurance premiums.
Here are some key wind mitigation tips and how they can affect your homeowners insurance.
Understanding Wind Mitigation
Wind mitigation involves adding specific features to your home to make it more resistant to damage caused by high winds, such as those experienced during hurricanes or severe storms. These features can vary from reinforced doors and windows to the way your home's roof is attached to the structure.
Wind Mitigation Tips
Here are some of the most effective wind mitigation strategies that homeowners can implement:
- Clips and Straps: One of the most effective wind mitigation techniques involves securing the roof to the walls of the home using hurricane straps or clips. These metal devices provide a strong connection between the roof and the walls of the house, reducing the likelihood that high winds will rip the roof off.
- Windows and Doors: Consider installing impact-resistant doors and windows that can withstand high winds and flying debris. Additionally, garage doors should be reinforced, as they are often one of the largest openings in a home and can fail under wind pressure.
- Sealing: The sheathing on your roof should be sealed to prevent wind from getting under it and lifting it off. Sealing the roof sheathing also prevents rain from seeping into your home if the shingles are ripped away.
- Securing: Objects such as grills, patio furniture, and other outdoor items can become dangerous projectiles during high-wind situations. Ensure all loose objects are secured or brought indoors if a storm is forecast.
The Impact on Homeowners Insurance
Wind mitigation can have a significant effect on your homeowners insurance. In areas prone to high winds or hurricanes, insurance companies often offer discounts to homeowners who implement wind mitigation techniques. These discounts can make a significant difference in the cost of your homeowners insurance premiums.
The specific amount of the discount can vary, depending on the insurance company and the specific wind mitigation features you have installed. Some states even require insurance companies to offer discounts or credits for certain wind mitigation features.
To receive these discounts, homeowners typically need to undergo a wind mitigation inspection by a qualified inspector. The inspector will evaluate the home's wind-resistant features and submit a report to the insurance company.
Reach out to a local insurance company, such as Ronald H. Krupa Insurance Agency, to learn more.