Structural Mitigation Surveys
Florida insurance companies have a program whereby you can obtain lower insurance rates based upon the characteristics of your house's construction. You are most likely aware of credits for hurricane shutters. This program and potential credits are based on your roof type and attachment to the wall systems, wall reinforcement and attachment to foundation, nailing pattern of the roof covering to the trusses, and type of door and window openings. Also, depending upon when your house was completed, certain wind load standards will apply. It is possible that even though your home was completed some time ago, higher building standards were used.
As a Florida licensed Professional Engineer, I provide these surveys, usually for a price of $150, depending upon size and how difficult it is to access your attic space which is required for the survey. I can also provide research into your building's structural design specifications used in its building for an hourly fee. You can also do this research yourself by going to the building department that issued your permit.
I have had reported that some policies have been reduced by up to one half the annual cost. Others may save several hundred dollars depending on your house's particular characteristics.
You can PRINT the form you need from the Florida Department of Insurance by clicking on the following link.
Give me a call to see what can be done to save you on your insurance premium! 561 215 8435
Best regards,
Bruce E. Holmes, PE
Holmes Enterprises
Bruce E. Holmes, PE
Holmes Enterprises
561 215 8435 cell
Copyright, 2010, Bruce E. Holmes
|