Wind Mitigation Inspections are a valuable inspection service that may reduce your windstorm insurance.Insurance discounts are available for building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies.Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts.

CITIZENS INSURANCE APPRAISALS

Due to the recent requirement changes by Citizens Insurance, all commercial insurance recipients are now required to obtain appraisals to determine the replacement costs of all insurable structures for insurance underwriting. These replacement cost appraisals are needed to determine the correct insurable coverage amounts, and must be submitted prior to approval and insurance binding.

We have extensive knowledge of the underwriting guidelines and requirements required by Citizens Insurance's underwriting department. This allows our firm to complete quality reports much quicker than the normal appraisal office.

GET A REPLACEMENT COST APPRAISAL 
A replacement cost appraisal can save you hundreds or even thousands of dollars. Citizens Insurance Corp., as well as other insurance companies accept appraisals (see below) and they must have been done within the last 12 months. Also, make sure the appraiser is Florida Certified. HAC has a few appraisers listed below that are charging reduced rates due to the insurance crisis.                                                                                                     "Replacement cost" is the amount needed to repair the damage or to rebuild the home to its pre-loss condition. For insurance purposes, the replacement cost of a home is NOT the market value of the home, its purchase price or the outstanding amount of any mortgage loan. It does not include the value of the land, but is the cost of rebuilding your home. 

The Florida Windstorm Underwriters Association FWUA rewards you for
protecting your Home!!

By meeting the protection criteria of the FWUA, Insurance companies
will reduce your property insurance premiums accordingly. But to
qualify, it's up to you to record the windstorm protection devices
installed at your property. 

Allview Property Inspections can perform this task for you. We have the proper forms to fill
out and will gladly assist you. Typically our fee is easily recovered
in less than one year premium savings.

If you want to save money on your Home Owners Insurance, then don't
hesitate..CALL US NOW!!!

Raciel (Ray) Sanchez CGC, CUC, CWMS, ACA
Allview Property Inspections Llc.
(786)282-9031
rmstcon@aol.com
www.allviewinspections.com

The state of Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Hurricane resistant features.
Wind Mitigation Inspections are a valuable inspection service that may reduce your windstorm insurance.Insurance discounts are available for building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies.Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts.
Ray Sanchez

(786)282-9031

ray@allviewinspections.com

What is a Wind Mitigation Inspection ?

The state of Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Hurricane resistant features.
We will document the features present in your home and produce a report for you to use in your request for reduced rates.
Why are insurance companies offering the discounts?

The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC).

Raciel (Ray) Sanchez CGC, CUC, CWMS, ACA
Allview Property Inspections Llc.
(786)282-9031
rmstcon@aol.com
www.allviewinspections.com

Due to the recent requirement changes by Citizens Insurance, all commercial insurance recipients are now required to obtain appraisals to determine the replacement costs of all insurable structures for insurance underwriting. These replacement cost appraisals are needed to determine the correct insurable coverage amounts, and must be submitted prior to approval and insurance binding.

We have extensive knowledge of the underwriting guidelines and requirements required by Citizens Insurance's underwriting department. This allows our firm to complete quality reports much quicker than the normal appraisal office.

Call for ypur appraisal today.

I am glad to announce that the governor has signed legislation to require home inspectors to be licensed. I hear every one say certified. BY WHO? I also belong to a Nationall organization. IF YOU PAY THE FEE>>> YOU"RE CERTIFIED. NOT GOOD FOR THOSE OF US WHO HAVE THE FIELD AND SCHOOL EXPERIANCE> I HAVE GREAT RESPECT FOR """CERTIFIED""""" I HAVENBEEN A FLORIDA CERTIFIED GENERAL CONTRACTOR (CGC056934) Since 1993. AND A FEW OTHER...... SO I DON'T USE THE WORD LOOSLY.

 Existing houses have one or more of these wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind resistive construction features and will likely qualify for significant credits.

A. Roof coverings, such as shingles that meet the FBC Requirements.

B. Roof decks that have been installed with large nails and close spacing.

C. Hurricane clips/straps that hold the roof structure to the walls.

D. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems.

E. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.

F. Newly Constructed Homes built to the Florida Building Code since March 1, 2002

G. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.

Please note that insurance companies may have more features that qualify for credits such as doors and gable end bracing

Roof inspections are a critical aspect of your home. Be assured of the existing condtition of your ROOF. Remember after the recent storms alot of roofs were damaged , NOT ALL WERE REPAIRED. Many people would prefer not to inspect their roofs themselves.  Roofs can be pitched at very steep angles and pose quite a challenge to those leery of heights.  Inspecting the roof from an attic or crawlspace full of spiders and other creepy inhabitants may not be too attractive either.  Another issue is most people are unsure of what to look for.  Leaks can be hard to track - water travels downward and the damage can be far from the actual leak.  Because of this, hiring an expert to inspect the roof for you is something you should consider. We offer full service, unbiased roof inspections and will provide you with a detailed report of our findings complete with recommended maintenance and repair suggestions.  Please contact us for quotes.

Raciel (Ray) Sanchez CGC,ACA
Allview Property Inspections Llc.
(786)282-9031
rmstcon@aol.com
http://www.allviewinspections.com/
MSFH Certified Inspector
NACHI#06101591