The Windstorm Certificate: Everything You Need to Know
Living in areas prone to hurricanes, tornadoes, or other high-wind events can be both exhilarating and daunting. While the thrill of a storm might be captivating, the potential for property damage is a serious concern. This is where the windstorm certificate, also known as a wind mitigation inspection report, comes into play. Understanding what a windstorm certificate is, why you need one, and how it can benefit you is crucial for homeowners and insurance buyers alike. This article provides a comprehensive overview of everything you need to know about windstorm certificates.
What is a Windstorm Certificate?
A windstorm certificate is a document that verifies the wind-resistance features of a building. It’s essentially an inspection report, conducted by a certified inspector, that assesses how well a home is built to withstand high winds. The inspection focuses on specific building components and features that contribute to the structure’s ability to resist wind damage. The information gathered is then documented on a standardized form, often the “Uniform Mitigation Verification Inspection Form” (also known as the “1802 Form”), which is used by insurance companies.
Why Do You Need a Windstorm Certificate?
The primary reason to obtain a windstorm certificate is to potentially save money on your homeowner’s insurance premiums. Insurance companies recognize that homes with wind-resistant features are less likely to sustain damage during a windstorm. By providing proof of these features, you can often qualify for significant discounts on your policy.
Here’s a breakdown of the key benefits:
- Reduced Insurance Premiums: The most significant benefit. Discounts can vary depending on the location, the insurance company, and the specific features of your home.
- Compliance with Insurance Requirements: Some insurance providers require a windstorm certificate to issue a policy, especially in high-risk coastal areas.
- Increased Home Value: A wind-resistant home is generally seen as more valuable, attracting potential buyers and providing peace of mind.
- Enhanced Safety: The inspection itself helps identify potential vulnerabilities in your home, allowing you to address them and improve its overall safety during severe weather.
What Does a Windstorm Inspection Cover?
A windstorm inspection is a detailed assessment of various aspects of your home’s construction. The inspector will typically examine the following:
- Roofing Materials: Type of roofing material (shingles, metal, etc.) and its installation method.
- Roof-to-Deck Attachment: How securely the roof deck is attached to the underlying structure.
- Roof-to-Wall Attachment: The method used to connect the roof to the walls (e.g., clips, straps, or hurricane straps).
- Wall Construction: The type of wall construction, including the presence of impact-resistant windows and doors.
- Opening Protection: The presence and type of protection for windows and doors, such as impact-resistant glass, shutters, or reinforced doors.
- Secondary Water Resistance: Features that prevent water intrusion if the roof covering is damaged.
How to Get a Windstorm Certificate
Obtaining a windstorm certificate is a straightforward process:
- Find a Qualified Inspector: You’ll need to hire a qualified inspector. Look for individuals who are licensed and certified to perform wind mitigation inspections in your state. Check with your insurance company, local building departments, or online directories to find qualified professionals.
- Schedule the Inspection: Contact the inspector and schedule an appointment. They will need access to your home to perform the inspection.
- The Inspection: The inspector will examine the specific wind-resistant features of your home. They will take photographs and document their findings on the standardized form.
- Receive the Certificate: After the inspection, the inspector will provide you with the completed windstorm certificate, typically within a few days.
- Submit to Your Insurance Company: Provide the certificate to your insurance company to see if you qualify for any discounts.
The Cost of a Windstorm Certificate
The cost of a windstorm inspection varies depending on your location, the inspector, and the size of your home. Generally, the cost ranges from $75 to $200. However, the potential savings on your insurance premiums often far outweigh the initial investment.
Maintaining Your Windstorm Certificate
Windstorm certificates are typically valid for a certain period, often several years. However, it’s important to be aware of the following:
- Changes to Your Home: If you make any significant renovations or repairs that affect the wind-resistant features of your home (e.g., replacing the roof or windows), you may need a new inspection.
- Insurance Company Requirements: Your insurance company may have specific requirements regarding the validity of the certificate. Always check with your insurer to ensure your certificate is up-to-date.
Conclusion
A windstorm certificate is a valuable document for homeowners in areas prone to high winds. It can lead to significant savings on your homeowner’s insurance premiums, enhance the safety of your home, and potentially increase its value. By understanding the process and the benefits, you can take proactive steps to protect your property and your finances. Investing in a windstorm inspection is a smart move for any homeowner looking to mitigate risk and save money.
Frequently Asked Questions (FAQs)
1. How long does a windstorm inspection take?
The inspection typically takes between 1 to 2 hours, depending on the size and complexity of your home.
2. Does my home automatically qualify for discounts?
No. The discounts you receive depend on the specific wind-resistant features of your home and the policies offered by your insurance company.
3. What if my home doesn’t have any wind-resistant features?
If your home lacks certain wind-resistant features, the inspector will note this on the certificate. You may still qualify for some discounts, or the inspector may recommend upgrades to improve your home’s wind resistance.
4. Who pays for the windstorm certificate?
The homeowner typically pays for the windstorm inspection.
5. How often do I need to get a new windstorm certificate?
The validity of the certificate and the need for a new inspection depends on your insurance company’s requirements and any significant renovations you make to your home. Always check with your insurer.
