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Why Get a Wind Mitigation Inspection?: An Interview with Douglas Konschnik of All In One Inspections

By Douglas Konschnik

Tell us a little bit about your experience, company history and the services you offer.

I am a licensed (HI2786) and insured home inspector. I have over 20 years construction experience. I pride myself in my attention to detail in my inspections and reporting. I really enjoy educating my clients on the homes that they are purchasing as buying a home is a major purchase. I offer complete home inspections and insurance inspections at a reasonable cost.

Can you describe what a wind mitigation inspection is?

Florida Statute 627.0629(1) requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials?" for construction techniques that reduce damage and loss in windstorms. A wind mitigation inspection verifies construction methods that create wind mitigation insurance discounts based on those methods.

When and why do homeowners usually get one?

Homeowners usually get a wind mitigation inspection for the following reasons:

Purchasing a new home
Obtaining new insurance
After a new roof is installed
If a wind mitigation inspection was never done on their current home.

What is something important that Florida homeowners should know about wind mitigation inspections?

The following are some wind resistant features that may get a discount:

Concrete block construction
Gable end bracing
Hip roof
The presence of a single or double roof straps
The type of roof covering
Impact resistant glass
Reinforced garage doors
Window shutters
The presence of a secondary water resistance barrier

How much can people potentially save on the wind portion of their insurance?

Depending on which wind resistant features they have and their location, the homeowner may save between 10-40% off their homeowner's insurance.

What advice would you give to a homeowner who is looking for a certified wind mitigation inspector?

Most existing houses have one or more wind resistant construction features and may qualify for some insurance discounts. The wind mitigation inspection expense is easily recovered from even a smaller discount. The homeowner should always make sure to hire a licensed, reputable inspector to come into their home and inspect.

To contact and/or find out more about this company, please visit their services directory profile.

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