Our
property inspection and certification service provides qualified inspectors
for homeowners
who wish to receive discounts on the wind portion of their homeowners insurance. ARA's team
of trained, tested, and certified inspectors has conducted over 13,000
certification inspections
for homeowners throughout Florida. We are uniquely qualified to conduct
inspections to assist you in securing
all applicable discounts for wind damage mitigation features on your
home.
What are Wind Insurance Discounts?
Insurance companies offering homeowners insurance
in Florida are required by Florida Statute 6267.0629 to provide "discounts, credits,
or other rate differentials... " for construction techniques required
by the Florida Building Code that reduce damage in windstorms. The
insurance company discounts began in 2003 and will save homeowners on
their premium every year thereafter.
The construction features that are considered in the statewide discount
plan include roof coverings, roof shape, secondary water
resistance, roof deck attachment, roof to wall connection, opening protection,
terrain exposure type, and design windspeed.
Homes Built
Before the
2001 Florida Building Code
|
Homes
Built in Accordance with the
2001 Florida Building Code
|
| Many
existing homes qualify for discounts for features that are already
present
on your home. Analysis of recent inspections has shown
that over 98% of the inspected homes have qualified for at least one credit and
more than 85% qualified for 3 or more credits. While the
percentage of the discounts varies by insurance company, many people recovered
the inspection fee in less than two years; often the
discount received in the first year exceeds the inspection fee. The savings will
accrue each subsequent year of the policy and recertification is not required
at policy renewal time. |
New homes
built to the minimum requirements of the Florida Building Code
will usually qualify for discounts of 25% to 50% of the
wind portion of the homeowner's insurance premium. The amount of the discount
depends on the new home construction features and
the particular insurance company. The wind portion of the homeowner's insurance
premium ranges from about 20% up to 70% of the
total insurance premium. Hence, the discounts constitute a significant savings
to the new home buyer.
All new Florida homes built to the minimum standards of the FBC will qualify
for wind insurance discounts due to the improved design
standards in the Code.
For homeowners to receive the discounts, insurance companies require certification
of the construction features on special forms. |
The IntraRisk Certification
Service
The Certification Service is designed to collect property rating information
for homeowners to receive applicable discounts on their
wind insurance.
|
 Leader
in Inspection for Wind Perils |
Highest
Standard of Inspector Training |
|
IntraRisk has developed
our scientifically based inspection techniques over the last 6 years
and has been providing survey services
to insurance companies since 2000.
Inspectors
Located Throughout Florida
|
Our team of certified inspectors consists of engineers, contractors,
building inspectors and home inspectors. All inspectors are trained
to collect property information required by insurance companies. Training
involves classroom exams, take-home open book exams and hands-on testing
using required equipment.
|
| Discounts
are NOT just for Shutters and Opening Protection! |
|
Discounts are Offered for:
Roof to wall connections
Roof deck attachment
FBC Equivalent Roof Covering
Hip Roof Shape
Hurricane Impact-Rated Opening Protection
|
Recently
Inspected Homes that Qualified:
86%
75%
20%
55%
34%
|
| To learn more about retrofit options and credits,
visit the following websites: |
| www.intrarisk.com/Certification.htm -This
is an ARA website that provides details on why the insurance discounts
are being offered
and what construction features qualify for discounts and details on what
can be done to existing homes.
www.floridacommunitydevelopment.org/mitdb -This
is a State of Florida website that allows Florida homeowners and builders
to
search for wind insurance incentives that are available for building
features that reduce damage during high wind events like hurricanes.
Building features that reduce wind damage include improved roof shingles,
strong roof decks, hurricane clips/straps, impact resistant
glazing or shutter protection for windows, roof shape, and other construction
techniques.
|
| Reports
for Homeowners |
Arranging
for an Inspection
Call Toll Free 866-874-2564 to place an order
Order via our website, www.flahurricane.com
Mail/fax a request form
Payment is by Visa, MasterCard, or check
Inspector will call to schedule inspection at a mutually convenient
time.
Collected information is sent to our Orlando office for processing
Reports are produced and mailed to the homeowner |
Customized
Reports for Homeowners
IntraRisk provides the homeowners with
two reports: Insurance company required forms, and a summary of findings
of the survey.
The first report consists of the specific forms required by your insurance
company to provide the appropriate discounts based on the
survey. The second report summarizes the findings and identifies both
acceptable and unacceptable items such as shutters that do not
qualify for credits.
Click
to download a printable form
(to be faxed or mailed)
Click
to view Residential Rating Chart
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