How Much Does A Wind Mitigation Report Save On Insurance?

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Storm Shutters

In today’s unpredictable world, protecting your home and ensuring its safety is of utmost importance. One way to secure your investment and potentially save on insurance costs is through a wind mitigation report. But just how much can a wind mitigation report save you on your insurance premiums? In this article, we will dive into the details and provide you with all the information you need to know about the potential savings associated with a wind mitigation report.

What is a Wind Mitigation Report?

A wind mitigation report is an assessment of a home’s structural integrity and resilience against windstorms and hurricanes. It evaluates various features of the property that can potentially reduce the damage caused by high winds, such as the roof shape, shutters, and the presence of impact-resistant doors and windows. Insurance companies use this report to determine the level of risk associated with insuring a particular property.

Understanding the Potential Savings

The primary goal of a wind mitigation report is to identify the features and construction methods that make your home more resistant to wind damage. By having these features in place, you can potentially qualify for insurance premium discounts. The actual savings can vary depending on several factors, including the location of your property, the age of your home, and the specific features identified in the report.

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On average, a wind mitigation report can save you between 3% and 55% on the wind portion of your home insurance premiums. In some cases, particularly in areas prone to hurricanes such as Florida, credits can even go up to the maximum savings of 88% off the hurricane/wind premium.

Factors That Impact the Savings

Several factors can influence the amount of savings you can expect from a wind mitigation report. Let’s take a closer look at some of these factors:

  • Age of the Home: If your home was built after 2002, you are more likely to qualify for a discount due to the stricter building codes and regulations implemented during that time.
  • Roof Shape and Construction: A well-designed and properly installed roof can significantly reduce the risk of wind damage. Features such as hip roofs, reinforced roof-to-wall connections, and impact-resistant materials can potentially lead to higher savings.
  • Impact-Resistant Doors and Windows: The presence of impact-resistant doors and windows adds an extra layer of protection against high winds and flying debris. Installing these features can result in substantial insurance premium discounts.
  • Storm Shutters: Having storm shutters in place is another effective measure to protect your home during hurricane events. Insurance companies often offer discounts for properties equipped with storm shutters.

It’s important to note that the exact savings you can achieve will depend on the evaluation and risk rating provided in your wind mitigation report.

Who Can Perform a Wind Mitigation Inspection?

A wind mitigation inspection must be conducted by a certified and qualified professional. Not everyone can perform this inspection, as it requires expertise in evaluating the structural aspects of a home that contribute to its wind resistance. It is recommended to hire a licensed building contractor, engineer, or certified home inspector with experience in wind mitigation inspections.

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How Much Does a Wind Mitigation Inspection Cost?

The cost of a wind mitigation inspection can vary depending on several factors, including the size of your home and the geographical location. On average, you can expect to pay between $75 and $150 for this inspection, with most people paying around $100. While this may seem like an additional expense, the potential savings on your insurance premiums can significantly outweigh the cost of the inspection.


In conclusion, a wind mitigation report can provide substantial savings on your home insurance premiums. The actual amount you can save will depend on various factors such as the age of your home, the specific features identified in the report, and the geographical location. Be sure to hire a qualified professional to conduct the wind mitigation inspection and make any necessary updates to your property to maximize your savings.

Based on the products mentioned, our top recommended choice that can aid in wind mitigation and potentially lower your insurance premiums is the storm shutters. Storm shutters are a valuable investment in protecting your home against high winds and flying debris during hurricanes. By installing storm shutters, you can enhance the wind resistance of your property and potentially qualify for insurance premium discounts. Invest in the safety of your home with storm shutters and enjoy the peace of mind knowing your property is well-protected.

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Storm Shutters

Remember, when it comes to wind mitigation and saving on insurance premiums, proper evaluation, and implementation of resilient features is key. Stay informed, take proactive measures, and safeguard your home against the unpredictability of windstorms and hurricanes.