Category Archives: Home Insurance

Wind Mitigation Inspection

December 26, 2018 by DeLand Real Estate
Posted in Home Improvements, Home Insurance

What is a wind mitigation inspection?

A wind mitigation inspection is the process of adding features to your home that help withstand or increase resistance to high winds caused by a hurricane or major storm. A wind mitigation inspection is important as it verifies components on your home including the roof to wall connections, nailing patterns, new roof coverings and window protections are all up to par.

Why do I need a wind mitigation inspection?

Homeowners can receive credits by outfitting their homes with windstorm mitigation features that can help the home to withstand or are more resistant to high winds. Mitigating your home is important as it will help to protect your family in the event of a major storm.

Not only will adding the features better protect your home, these features can also present savings on your homeowners insurance. According to the Florida Division of Emergency Management 15%-70% of home insurance premiums can be attributed to wind-damaged risk. Upgrading your home with mitigating features can result in significant long-term savings.

Finding the right Home Insurance

August 17, 2015 by DeLand Real Estate
Posted in Home Insurance, Real Estate

Buying home insurance can be an overwhelming process. If something happens to your home, homeowners insurance can make or break you. Here are some tips to guide you when shopping for home insurance:

  1. Speaking with an independent home insurance agent. An independent does not represent just one company but instead multiple companies. This allows you to receive multiple quotes and thus find the best policy / coverage possible for your specific needs.
  2. Escrow your insurance payments with your mortgage payments. If you are like most homeowners, you will tack monthly insurance payments onto your mortgage check. The bank will pay your home insurance premiums out of your escrow account. In most cases lenders will prefer this option because it shows them your insurance premiums are being paid and their investment is well protected
  3. It is important to be sure you have adequate coverage. The most mportant aspect to home insurance is the level of coverage. No need in paying more than you need.
  4. Understand the details of your policy. It is important to know the fundamental terms of a home insurance policy.

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