Dr. Mike Kiernan's home insurance premium dropped significantly after investing in a wind mitigation inspection, leading to a 35% reduction in his rate. Wind mitigation inspections assess a home’s construction features that resist wind damage, such as roof shape and window protection. Unlike traditional four-point inspections, these evaluations focus on structural resilience rather than the age or condition of systems. As extreme weather events intensify, homeowners increasingly find wind mitigation inspections beneficial, not just for safety but also for insurance savings.
"I was hoping we'd save a few hundred dollars at most, but it was much more than that," Kiernan told local news outlet WWL Louisiana.
"It specifically documents structural features that reduce the home's vulnerability to wind damage, which can translate into premium savings. It's proactive and benefit-oriented, rather than just a box-checking requirement," explains Powell.
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