How does Wind Mitigation Verification Certification work?
A wind mitigation study involves a comprehensive assessment of a structure’s vulnerability to wind-related damage, typically conducted by a certified professional. The process begins with a thorough examination of the building’s construction features, such as the roof shape, materials, and attachment methods, as well as the presence of protective devices like shutters or impact-resistant windows. The certified inspector evaluates how well these components can withstand the forces generated by high winds during storms or hurricanes. The study may also consider the age of the structure, building code compliance, and any recent improvements that enhance its resilience. After the assessment, the inspector provides a detailed report outlining the findings and recommending specific measures to mitigate potential wind damage, which can range from reinforcing roof-to-wall connections to installing wind-resistant features. This study is crucial for homeowners seeking insurance discounts, as it helps insurers assess the risk and promotes the implementation of cost-effective measures to enhance the building’s overall wind resistance.
CERTIFICATION COST IS $250 (600% ROI), or
$99.00 (1500% ROI) when included with a general home inspection.
What qualifies for a WMVC?
- Built after the year 2000, prior to 2000 still qualify w/ wind resistant upgrades/ features.
- Impact Resistant Windows (Class 2+ Wind rating)
- Storm Shutters (Fixed or removable)
- Hurricane rated garage door (Additional horizontal metal reinforcement)
- Roof to wall tie downs (hurricane clips, toe nailing or straps)
- New or newer roof (asphalt shingles)
- Metal, slate, concrete tile or clay tile roofing
Value of a Wind Mitigation Verification Certification;
- Cost Savings for Clients: Certified professionals can identify and implement cost-effective wind mitigation measures, potentially reducing insurance premiums for clients by demonstrating the structural resilience of a building against wind-related damage.
Example
- Average home price of $360,000
- Typical annual savings on average is $222.00
- Certifications are valid for 7 years
- $222.00 x 7 years= $1,554.00 reduction in a home insurance premium
Benefit to Real Estate Agents;
- Increased Professional Credibility: Mentions of Wind mitigation certification enhances professional credibility, demonstrating expertise in assessing and implementing measures to mitigate wind-related risks, thereby instilling confidence in clients.
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- Great upsell for saving buyers money on home insurance.
- Realtors recommend reputable Home Inspectors w/ a value added basis.
- This one value added product offsets the cost of a home inspection w/ a significant rebate over the lifetime of ownership!
Benefits of a Wind Mitigation Inspector;
- Contributing to Community Resilience: Certified individuals play a crucial role in enhancing community resilience to severe weather events by promoting the construction of wind-resistant buildings, ultimately contributing to public safety and reducing the overall impact of wind-related disasters.
Create awareness to the unknowing on how to reduce home insurance premiums while still protecting their investment.
Wind Mitigation Certification Form
- Most Insurance providers will not provide the form unless requested
- There is a SC State form, however most home insurance providers have their own!
- Always remind home owners/ buyers to get quotes that reflect the wind mitigation certification discount.
Wind Mitigation Verification Certification (Summary)
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- Assessment of specific measures to mitigate potential wind damage
- This study is crucial for homeowners seeking insurance discounts!
- What to look for?
- Built after the year 2000, before 2000 w/ one or more upgrades below
- Impact Resistant Windows (Class 2+ Wind rating)
- Storm Shutters (Fixed or removable)
- Hurricane rated garage door (Additional horizontal
- metal reinforcement)
- Roof to wall tie downs (hurricane clips, toe nailing or straps)
- New or newer roof (asphalt shingles)
- Metal, slate, concrete tile or clay tile roofing
- Value to Clients & Home Owners- Cost Savings for on Insurance Premiums
- Value to Agents- Increased Professional Credibility
- Value to Community- Contributing to Community Resilience
& Awareness
- The FORM! “Remind buyers to ask for the form don’t expect it”
