Savings of between $150 and $500 per year or more are typical, so it’s well worth your effort to pursue this discount. A wind mitigation inspection by a Florida-licensed construction professional is the standard way to reduce your premium. An average price statewide for a wind mitigation inspection is $130, but we charge $95 to customers in the metro Gainesville area. The hip roof is just one of the discounts for storm-resistant construction—but definitely the largest—that is documented during the inspection.

   Many insurance companies do not require that you purchase a wind mitigation inspection to get just the hip roof discount. But if there is any question as to whether your roof qualifies, then an inspection is necessary. It’s officially called a “Uniform Mitigation Verification Inspection OIR-B1-1802” and you can get a copy of the form from your insurance agent.

   Homes built after the statewide Florida Building Code went into effect in early 2002 automatically get a number of the discounts because the storm-resistant construction methods became mandated by the building code. So  owners of newer homes may choose not to get a wind mitigation inspection. But there is a moderate chance of an additional smaller discount or two if the inspection is performed. For a list of what is checked during a wind mitigation inspection, see our blog “What is a wind mitigation form for homeowner’s insurance?”


While we hope you find this series of articles about home inspection helpful, they should not be considered an alternative to an actual home inspection by a local inspector. Also, construction standards vary in different parts of the country and it is possible that important issues related to your area may not be covered here.
©2015 - McGarry and Madsen Inspection.

 
 

Completely hip roof all the way around the home

More than 90% hip roof. Only a small gable roof over the entry.

A mix of hip and gable roofs and more than 10% gable.

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