Shopping around for a Wind Mitigation
Inspection?
Prices for Wind Mitigation Inspections in Palm Beach County range from $75 to $150 (and more).
The
good news is…a $75 wind mitigation inspection may be all you need. However, if your circumstances require more
than what the $75 inspector is willing to deliver, you could ultimately end up frustrated and spending more time and money
on reinspections, lost (or unrecognized) credits and more.
You
don’t want to overpay for an inspection you don’t need but you also want to avoid paying for an inspection that
is worthless and will cost you more in the long run.
Here are three simple but important tips
that will help you find a good wind mitigation inspector who fits your needs at a price that’s right:
TIP
#1:
Make sure your wind mitigation
inspector is MORE
than just LEGALLY “qualified”.
You can easily find a LEGALLY “qualified” wind mitigation
inspector but, if he is not competent, your wind mitigation inspection report could be worthless. According
to Florida law, the following are those professions legally “qualified” to perform wind mitigation inspections:
- Licensed home inspector (WITH proper
wind mitigation training)
- Certified building code inspector (with OR
WITHOUT proper wind mitigation training)
- Licensed general, building or residential contractor (with OR
WITHOUT proper wind mitigation training)
- Licensed engineer (with OR WITHOUT proper
wind mitigation training)
- Licensed architect (with OR
WITHOUT proper wind mitigation training)
- Employees of engineers or general, building or residential contractor
(with OR WITHOUT proper wind mitigation training).
- Any other individual/entity recognized by the insurance company as being qualified.
Notice that of all the professions that are “qualified” to perform
wind mitigation inspections, ONLY licensed home inspectors are REQUIRED to have additional wind mitigation training.
While the background, experience and education of all these professions are important, they are not enough. A wind mitigation
inspection is a particular type of inspection that requires unique training. Having the proper training is a
must. Without proper training, inspectors are essentially "flying blind" and you could be taking
a big gamble with your time and money. Make sure your inspector (in addition to being a “qualified” profession)
has taken at least one of the accepted wind mitigation inspection training courses available.
After finding a qualified wind mitigation inspector
that has taken an accepted wind mitigation training course, make sure your inspector has experience performing wind mitigation
inspections. There is no substitute for an experienced inspector who has familiarity with the unwritten rules of the inspection
process, the kind of photos and documentation preferred and the kind of practices frowned upon.
To summarize, ask if your potential wind mitigation inspector (1) is legally qualified to
perform wind mitigation inspections (2) has attended and passed an accepted wind mitigation inspection training course and
(3) has, at a minimum, personally performed hundreds (preferably thousands) of wind mitigation inspections.
TIP #2:
Documentation
is REQUIRED and
more important than you might realize.
Proof in the form of photos and/or documentation is required to accurately complete the inspection
report. You want to collect any and all documentation that could help prove the type of wind mitigation
attributes you have on your home AND have it available for your inspector to review.
Any documentation related to your roof, opening protection (shutters, impact glass, exterior
doors, garage doors, etc.) and general structure could be beneficial. Even if you think a piece of documentation
will not help, it is better to have it available than not.
It
is important to understand, documentation is most important for homes in Palm Beach County with roofs newer than 2002 and/or
wind-borne debris protection installed at all of your openings. If you have a home with no opening protection and an
old roof and are not planning on making any future improvements, a good $75 wind mitigation inspector may be all you need.
The newer the home, roof and/or opening protection, the more important documentation becomes and the more critical
it is to make sure your inspector knows what he is doing and provides the services you need.
TIP
#3:
Find out what the inspection
fee includes?
There are reasons why some inspectors charge $75 and some charge more than $150. Most
$75 inspections are one-time events. The inspector shows up, completes the inspection and is done. They may review
the documentation you have available at the time, but nothing more. Maybe they will inform you of ways to improve your
inspection report, maybe not. Whatever is done on site at the time of the inspection is really all that is done.
If you need something in the future related to your inspection, there is a good chance there will be additional charges.
Depending on your circumstances, this may be all you need and it may not benefit you to pay any more than $75.
However, if
you need or want more than a bare-bones inspection, it is critical that you find out what your inspector’s fee includes.
When you choose our company for your wind mitigation inspection, here is what you can expect:
- LICENSED,
TRAINED AND EXPERIENCED INSPECTOR
Our wind mitigation inspectors
are Florida Licensed Home Inspectors that have taken and passed approved wind mitigation training courses and have each personally
completed thousands of wind mitigation inspections.
- FREE REINSPECTION OF IMPROVEMENTS AFTER YOUR ORIGINAL INSPECTION
If you make improvements (within 6 months of original inspection) we will reinspect those improvements and revise
your inspection report (if warranted) at no additional charge.
If you find additional
documentation or information that might help your inspection results, we’ll review it and revise your inspection report
(if warranted) at no additional charge.
- FREE
REINSPECTION, IF CLARIFICATION IS NEEDED FOR YOUR INSURANCE CARRIER
If your insurance company needs clarification on any of the questions on the report we will assist in providing that
clarification. If an additional visit to your house is required, we will make that visit for FREE.
- WE WILL CONTACT THE BUILDING DEPARTMENTS FOR ROOF PERMIT INFORMATION
As a courtesy, we contact local building departments by phone, fax and/or email
to obtain the necessary roof permit information an no additional charge. In most cases, we are able to obtain what is
needed. In those rare cases where building records are insufficient, not available or require a trip to the building
department, we will let you know and give you recommendations on how to proceed.
- SUGGESTIONS ON WAYS TO IMPROVE YOUR INSPECTION RESULTS
You will receive suggestions on ways to improve your inspection results. With this knowledge, you will be able
to determine if making additional improvements to your home could help save you additional money.
Most of our wind mitigation reports are completed within 24 hours of the inspection (a lot of times sooner).
- INSPECTION REPORT FORWARDED TO YOUR INSURANCE AGENT
Your agent will receive the report in a timely manner and know who performed
the inspection and how to contact us if there are any problems or concerns.
And finally,
our….
NO-RISK GUARANTEE
We will likely spend up to an hour on site performing the wind mitigation inspection,
taking photographs, reviewing documentation and informing you of the results and ways to improve. Before we complete/submit
your inspection report, if you are not happy with our service for any reason, let us know. We’ll either
make it right or you pay nothing (the final report won’t be completed/submitted).