Booking R.L. Miller for Wind Mitigation Is a Breeze

Booking R.L. Miller for Wind Mitigation Is a Breeze

Trust our home inspection experts

Would you like to reduce your insurance premium? Call on R.L. Miller Inspections, LLC for a wind mitigation inspection. For more than 30 years, owner Bob Miller has studied how to safely renovate and construct buildings in Bonita Springs, Naples, Fort Myers, and Cape Coral. He can thoroughly examine your residential or commercial property and share the results with your insurance company.

Call us at 239-872-3806 to schedule an inspection. Once your property is hurricane-ready, you can significantly reduce your insurance premium.

What does a wind mitigation inspection involve?

Our mission is to make sure your home or office can withstand strong winds and heavy rains. We’re looking for:

  • Hurricane shutters
  • Roof stability
  • Protected skylights
  • Storm doors
  • Secure decking

It’s possible to reduce your home insurance premium – just for being diligent and proactive. Choose R. L. Miller for home inspection and wind mitigation services.

How Wind Mitigation could help you save big on your insurance policies in your Bonita Springs, Naples, or Cape Coral home

Definition: Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind.

A Few Facts About Windstorms and Wind Insurance

•In 2006, Citizens Insurance, one of the largest property insurers in Florida, requested a 45% rate increase for wind insurance. Other insurers took similar actions. With R.L. Miller Inspections we can help to reduce your insurance premiums so you can get the most out of your policies.

•In Florida, the portion of a homeowner's premium covering wind damage can be up to 70% of the total, depending on location.

Wind mitigation benefits homeowners, private insurers, and all levels of government.

Incentives for Wind Mitigation

•The Gulf Coast states, which are most prone to windstorm damage from hurricanes, have each considered mandating incentives to mitigate damage due to wind. Mississippi and Texas currently do not have such legislation, although Florida has been successful.

Following Hurricane Andrew, Florida passed a law requiring insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from wind. In order to qualify for this discount, homes must undergo a certified home wind inspection. However, many Floridians do not know of this law. Homes in Bonita Springs, Naples, and Cape Coral are all located in potential high impact hurricane zones and should have wind protection.

•Those with windstorm insurance can avoid a costly deductible. Deductibles for homes in hurricane-prone areas can exceed $20,000, meaning that mild to moderate wind damage might not be covered by insurance at all. If proper wind mitigation techniques have been used, these expenses can be avoided altogether.

•Wind mitigation helps protect the home from damage. Even if a home is insured, it is always costly when a house is damaged, both for the homeowner and the insurer. Repairs can take months, especially during material shortages that follow massive destruction to entire communities, as was the case after Hurricane Katrina struck Louisiana.

•Lenders in Florida require homeowners to carry windstorm insurance in order to be approved for a mortgage. Insurers may not provide windstorm insurance to homes that are vulnerable to wind damage