Living in an area that where you need to have windstorm insurance can mean you have to pay a lot more for your premiums than you’d like to just to feel safe in your homes. To make it easier for you as a homeowner, you need to look into several ways to save money. Here are some tips that can help you lower your windstorm insurance.
Develop a Plan
Try to develop your own plan to reduce your windstorm insurance expense. As a homeowner, you should know that there are many options for you to do so. One of the most effective ways to reduce your premium is through a mitigation inspection. A mitigation inspection is a home inspection that can give you up to 45% of discount on your windstorm insurance.
A mitigation inspection is very useful and will save you more money overtime than what you paid to have it. Saving money on your windstorm insurance means more budget for credit card bills, mortgage and so much more. The idea is to save money so you can use it for your other expenses, this is the smart and practical way.
Know the Effects of Windstorms on Your Home
High winds can do a lot of damage to your home especially if they last for a long time. Windstorms are efficient at damaging homes because it moves with simultaneous forces in different directions. Strong winds can damage your roof, doors, windows as well as your home’s interior.
There are times when heavy winds can also carry debris inside your house which can destroy some of your furniture and appliances. The worst thing that can happen during a windstorm is when your roof gets uprooted from your house’s frame. This can lead to a serious injuries and damage around the house.
Prepare for Your Mitigation Inspection
When you have your mitigation inspection, an inspector will visit your home and check if your home is at high risk during a windstorm. Having enough protection against heavy winds in your home such as concrete blocks, braces, roof straps and other shutter protections will allow you to be qualified for a certification.
Once you are given a certification that it’s well-protected against heavy winds, you are set to ask your company for a lower windstorm insurance rate. Because your homes are less prone to getting damaged during heavy winds, the insurance company can look at your home as low risk and you may get a discount. Getting a mitigation inspection is a fast, efficient way for you to save money on your windstorm insurance.
Most houses today are reinforced against heavy winds and can pass a mitigation inspection. In the event of a mitigation certification, talking to your insurance agent is the best way to find out how you can lower your windstorm insurance rates.
At The Brad Spurgeon Insurance Agency, we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (409) 945-4746 or Click Here to request a free quote.