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The Advantages of Wind Mitigation: An Interview with Kevin Hunt of Fair Wind Inspections

By Kristen Bosse

Please describe a little bit about your company and the services you offer.

Fair Wind Inspections is a complete home inspection company specializing in residential property inspections and wind mitigation inspections in the Tampa Bay Area. We also conduct insurance inspections such as four point and Citizens roof condition certification inspections. We are a licensed, state certified and insured residential building contractor and home inspector who has been performing work in the Tampa Bay area for over 5 years. Our primary goal is to educate and inform our clients. We strive to provide an excellent experience at a competitive price to our home buyers, sellers, insurance agents and realtors.

How did you get into this line of work?

My father, who owns a carpentry contracting company (Southern Quality Inc.) helped me start Fair Wind Inspections after I had been working with him for a number of years in the field doing construction and overseeing projects. I enjoy talking about homes and educating people on the systems in them so I decided to start my own company doing home inspections and wind mitigation inspections.

How important is a proper home inspection?

Extremely important, you want to have peace of mind when considering what could potentially be the largest investment of your life. No home is perfect and that is OK. It is my job to figure out whether those imperfections are major or minor. Determining which issues could lead to costly repairs rather than something which can be considered a normal maintenance item will help you better understand your new home. This will allow you to be confident with your decision in moving forward with the purchase of the home.

You make it seem like wind mitigation can save you a substantial amount of money on your homeowners insurance. If it can potentially do this, why don't more consumers get this inspection performed?

I am really glad you asked this question. It comes down to lack of awareness. Most companies doing these inspections (such as myself) do not have large advertising budgets to make the public aware of the savings this inspection can provide on your homeowners insurance. The insurance companies are not really interested in advertising it because it will hurt their bottom line. So tell your friends, family, neighbors and co-workers! Let them know they can save money on their homeowners insurance with a simple inspection!

Is the wind mitigation process complicated?

Not at all, it is a 4 page form that must be filled out by a licensed individual. On the form there are 7 separate items, each of which may qualify your home for a discount. Basically I inspect the features of a home which will help it during a hurricane and we report that back to the insurance company for a discount on the insurance. These discounts are mandated by Florida state law, so any home with wind resistive features is eligible for a reduction in insurance. The inspection does not take long to complete but I will need to get into your attic and get some photographs. Once completed the inspection and its savings are good for 5 years!

What should customers look for in a good home inspector?

Experience, professionalism, proper licensing and the ability to articulate clearly... You want to know what may be wrong with the home in simple and concise wording.

What are the most common failures in home inspection?

The major systems of a home are more commonly worn out and may need further evaluation, minor repairs or cleaning by an appropriately licensed individual. These systems include heating and air condition, roofing, electrical and plumbing.

What should more people be doing in order to improve the condition of their house?

Regular maintenance! If it is something you can do yourself like landscaping, painting the exterior or cleaning the gutters then great! Other things you may need to hire a professional for such as cleaning the air conditioner or repairing roof leaks. I have seen 50+ year old homes which have been maintained beautifully by their owners, and when it comes time to sell there is almost nothing wrong with it so they get a great price for the home.

How often should people be getting their house inspected?

Typically a home inspection happens during a real estate transaction. If you are living in your home and maintaining it yourself, you may only need the single inspection before you purchase. If it is a rental or seasonal home you could consider having a home inspection done yearly or bi-yearly to ensure everything is working properly and no major issues have developed.

A wind mitigation inspection needs to be done every 5 years OR if the form changes it may need to be completed again with a new wind mitigation form.

What's the best way for people to get in contact with you?

All my contact info as well as much more information about wind mitigation inspections is located on my website www.FairWindInspections.com You can call (727) 278-5148 to speak with me directly or email FairWindInspections@live.com

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