Disaster Resistant Construction; Taking Steps to Reduce Damage
Leads to Resilient Economies supported by Affordable Private
Insurance
Regardless of your perspective of the insurance industry, our economic stability relies on carriers
underwriting our risks to avoid large financial losses. Without insurance our coastal areas would
return to unpopulated barrier islands and sparsely populated coastal counties. Many insurers are
looking for properties that have been hardened beyond the Code that demonstrate an ability to
reduce potential windstorm losses. The rewards are dependent on a change in behavior in how
we build, rebuild, and maintain our structures in hurricane prone areas.
Disaster-Smart Consulting is a unique new consulting and inspection company offering advice
and verification of mitigation features that in many areas can reduce insurance costs, add to the
value of the property, and reduce the disruption of loss of use and high maintenance costs.
While windstorm insurance credits are mandated in Florida, many insurers were offering voluntary
credits for hardened properties long before states started requiring them. Re-roofing structures
with new higher wind resistant features qualify most owners for credits yet very few have pursued
a simple wind mitigation inspection to certify to their insurer that these features exist.
Disaster-Smart can certify your existing wind resistant features and/or develop a program that will
reduce loss, out of pocket deductibles, and potentially your windstorm insurance premiums.
FEATURES THAT CAN REDUCE INSURANCE COSTS
1. High Wind Resistant Roof
Coverings
2. Secondary Water Resistance
Systems
3. Roof Decking Thickness and
Attachment Systems
4. Roof To Wall Connections
5. Gable Bracing
6. Superior Wall Construction
7. Opening Protection Systems
8. Waterproofing and Sealing Systems
RecallChek
provides additional safety from fire and electrocution resulting from built-in appliances that
may have manufacturers safety recalls. We offer this service Free with every Home Inspection and, with our
Four Point Inspection for an additional fee of $25.00. This one time payment gives you manufacturer recalls on
all of your built-in appliances for as long as you own your home and even allows you to add new appliances
as you replace them free of charge.
