How to Save up to 88% on Wind & Hail Insurance
Wind & Hail Insurance can get as high as $500/ year with no claims ever paid out because projectiles or missiles (anything self propelled through the air during a major storm) never come in contact with the home, and all new homes (Built since 1997) have some of the required specifications to prevent wind and hail damage during a major storm.
In order to qualify for savings on Wind & Hail Insurance the home must have certain protective specifications included on the exterior of the home and the the home owner must obtain a WIND MITIGATION VERIFICATION CERTIFICATION from a local Myrtle Beach Home Inspector, Contractor, Engineer, or Architect and submit the form to the Home Insurance provider.
Home Insurance providers are federally mandated to provide this discount to policy holders, which is probably the exact reason you have never heard of it.
Typically the WIND MITIGATION VERIFICATION CERTIFICATION will cost $250 to complete, which is very reasonable considering you will save roughly that amount year after year. LAB Home Inspections LLC will provide this service for only $100 if combined with a General Home Inspection.
Let’s review the criteria needed in order to qualify for a Wind Mitigation Verification Certification in the Grand Strand.
Any roof that has a lifespan over 50 years qualifies as a roof suitable to withstand high winds and hail. Some of these types commonly found in the Grand Strand are Clay Tile, Concrete Tile, Metal and Slate roofing. If you have a newer asphalt shingle roof less than 10 years (3-tab) and 20 years (Architectural). The property will also qualify for a discount on Wind & Hail Insurance.
In most cases with all homes built in the last 50 years, the building code with respect to how roof sheathing is fastened to the roof trusses or framing has not changed, therefore by default almost all homes have the same roof attachment can qualify you for a discount on your Wind & Hail Insurance.
Roof to Wall Connection
This is one of the most important elements of Hurricane protection. If the roof fails or is disconnected from the building envelope during a major event the building is by definition destroyed and will need to be demolished. If however, the following items can be found in the attic space than you qualify for a discount on your Wind & Hail Insurance. The good news here is that all homes built in the Grand Strand after 1997 have these provisions specified in the construction drawings and have been installed according to the Engineers specifications.
There is a significant importance to protecting all openings in the home and it has everything to do with barometric pressure inside and outside the home. The pressure inside the home is always higher than the pressure outdoors and in lite of a major storm or hurricane the outdoor pressure drops dramatically. It is important to understand that real damage happens to a home when the pressure difference from outdoors to indoors is neutralized, so maintaining a significantly higher pressure inside the home during a major storm or hurricane is essential.
Homes that qualify for a Wind Mitigation Verification Certification have 2 very important characteristics such as Impact Resistant Windows, or Storm Shutters or both. If these 2 elements are part of the homes exterior, the home will qualify for a discount on the Wind & Hail Insurance.
It really does make a lot of sense to get the Wind Mitigation Verification Certification considering the long term savings benefit on Wind & Hail Insurance, and to protect the home against Hurricanes and other natural disasters.
Its pretty simple to understand, you wonder why you’ve never heard of it? If you or someone you know has a home with a long lasting roof, storm shutters, or impact resistant windows or all of the above, let them know that they could save $100’s annually with a Wind Mitigation Verification Certification.
This experience created by:
Darren Dawson- Certified Master Inspector (CMI)
Myrtle Beach, South Carolina
(352) 665- 9900