High winds, water are top factors affecting insurance claims in Florida

By Marian Johns | | Aug 7, 2018

The wind mitigation inspection involves several areas including building code.s for your area   File image

Insurance companies in Florida are required to offer discounts to those who take precautions for wind mitigation. 

According to a recent Kin Insurance online article, high winds and water are some of the top factors effecting insurance claims in Florida. 

"Wind mitigation is essential in Florida so much so that the Florida Department of Financial Services, Florida Division of Emergency Management, Florida’s Foundation, Florida Alliance for Safe Homes, and the Insurance Institute for Business and Home Safety all endorse the same research based recommendations and provide resources to inform and assist homeowners," the company said in its online piece. 

The wind mitigation inspection involves several areas including building codes for your area, the age of your home, the material of your roof, and what type of roof deck attachment your roof has to the rafters of the frame of the home.

The wind mitigation also includes examining your roof-to-wall attachment and the shape of your roof, with a "hip roof" where all sides slope downward the ideal shape because of its resistance to wind. 

Secondary water resistance, an additional layer that adds water protection and opening protection, that limits the potential for water intrusion is also included in the damage mitigation inspection, according to the Kin article. 

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