Insurance Benefits of a Wind Mitigation Inspection and Report
When it comes to your homeowners’ insurance policy there’s not too much you can do to influence your premiums.
However, there’s a little known law (that seems to be seldom observed by insurance companies) that does give you some leverage when it comes to your home insurance premiums.
According to Florida Statute Chapter 627, Section 711 titled “Notice of premium discounts for hurricane loss mitigation uniform mitigation verification inspection form” which says, in essence, your insurer is obligated to notify you about wind mitigation savings you might obtain by having a Wind Mitigation inspection.
You can read the entire text at https://www.flsenate.gov/Laws/Statutes/2011/627.771.
If you did not receive such notification from your insurer, call them about receiving their form which is supposed to notify and advise you of what windstorm measures you can take to reduce you insurance premium as it relates to windstorm mitigation.
This is primarily intended to provide guidance for measures YOU can take for windstorm mitigation. You may already have such measures in place and not know it. We can provide you with a certified Wind Mitigation Inspection and a Florida mandated detailed report (Form OIR-B1-1802) to give to your insurance company to see how much you can save every year on your home insurance premium.
Give us a call at 321-765-7677 or visit our website at www.dixiehomeinspectionsinc.com to set your own schedule for us to perform your Wind Mitigation Inspection. We give prompt service in metropolitan Orlando, Winter Park, Oviedo, Casselberry, Sanford, and surrounding local areas.
Check us on-line at http://www.myfloridalicense.com/DBPR/online-services/ then click on “Verify A License”, then Search By License Number with our license # HI2356 in the search box.
How Did Bob Get Involved with Home Inspections?
The principle officer, Bob Kelley, of Dixie Home Inspections has a long history of background and experience in the construction and inspection industry. After graduating from the University of Central Florida in Orlando, he initially worked for his father in the general construction trade. Working with a general contractor, he was involved in working with various subcontractors such as electrical, mechanical (air conditioning), plumbers, roofers, framers, drywall, flooring and carpet layers, tile setters, and painters. Eventually, he ended up going to work for one of the mechanical contractors in the air conditioning (A/C) trade.
The Start of Florida Mechanical & Air Conditioning, Inc.
After a few years working in and learning the mechanical trade, he took and passed the Florida state certification exam to get his own state mechanical contractors’ license. In 1983, he set up his own mechanical contracting business as Florida Mechanical & Air Conditioning, Inc. in Orlando. As the mechanical business grew and as time passed, he saw the importance of having other licenses to supplement his A/C license and he took and passed state certification exams for being a state certified building contractor as well as being a state certified plumbing contractor. Both of these additional licenses helped with the growing of Florida Mechanical & A/C as a business.
During these years, Bob was able to gain hands on field experience not only in the air conditioning and heating trade but also in the important trades of general construction, electrical, plumbing, and roofing. Every project he was involved in was a learning opportunity not only for how things are constructed and work together, but he also obtained the skill of managing and inspecting other trades as the work progressed.
As the prime contractor on the vast majority of the projects he undertook, he was responsible not only for performing, inspecting, and completing his own A/C work, but he also had to oversee and inspect the work of all of his subcontractors. It was his responsibility to ensure as the project moved along that things were completed on time and in an orderly fashion. Most of his contracts were with the Federal Government performing work for the Air Force at the Cape Canaveral Air Force Station and for NASA at the Kennedy Space Center. At these government facilities, he honed his construction and inspection skills under their demanding standards of excellence and optimum performance.
The Strong Work Ethic Bob Brings to Dixie Home Inspections
When every project reached its end, it was Bob’s responsibility to see to it that everything was in place and fully functional so the project could be turned over to the owner as a completed job. Latent defects were not an acceptable outcome as that required more time to go back and correct problems. His philosophy was to do things right the first time so they don’t have to be addressed a second time.
This work ethic has rolled over into our Dixie Home Inspection business. With our inspections, you’ll receive the same attention to details and reporting skills we developed along our journey to excel at what we do.
Who is Bob Kelley?
After graduating with honors from the University of Central Florida with a BSBA in Accounting, Bob Kelley began his career in the construction industry by working with his father who was a general contractor. Over time, Bob worked with a Mechanical Contractor out of Maitland, Florida, who specialized in installing air conditioning systems for the Air Force. After working with this contractor for a number of years, Bob took the Florida exam to become a state certified mechanical contractor on his own merits. This was followed with other Florida exams to obtain his building and plumbing contractor's licenses. With these three major licenses, Bob undertook many years of construction and renovation projects for the Air Force, Lockheed, United Space Alliance, URS, Martin Marietta, Space Coast Launch Alliance, and numerous general contractors.
How Bob Became a Certified Inspector in Florida
Using the educational, construction, inspection, and people skills he obtained while working in various construction fields and to further long term career planning, in 2011 Bob took the required course and exam to obtain his Certified Home Inspector (HI) license. While continuing to work in the construction trades, he became a member of InterNACHI as a Certified Professional Inspector (CPI). InterNACHI is a worldwide professional organization established to promote the education, training, testing, and certification of their members in the home inspection industry. Many InterNACHI members can be found in all of Florida including the major central Florida counties or Orange, Seminole, Brevard, Lake, Osceola, and Volusia. These are the primary customer base locations of clients that Dixie Home Inspections, Inc. serves.
To receive the InterNACHI designation, Bob was required to pass their numerous courses dealing with inspections of air conditioning systems, electrical, infrared imaging, roofing, plumbing, crawl spaces, building exteriors, attics, insulation, ventilation, interiors, moisture intrusion, wood destroying organisms (WDO), structural issues, decks and balconies, oil and gas furnaces, fireplaces and chimneys, stoves, inspector safety, and many other inspection related topics. While being exposed to these trades in his years of hands-on work in the construction industry, to enhance his inspection skills, these additional CPI certifications were geared more towards specific techniques involved in searching for and identifying deficient construction elements.
To augment his InterNACHI CPI designation, he was also required to take their Code of Ethics and Standards of Practice courses which lays out the guidelines for the inspector to follow in preforming home inspections. These Codes and Standards establish the expectations of the InterNACHI organization for continued membership in their society and further strengthens the overall home inspection industry.
How Dixie Home Inspections Can Help You
This history of work experience, education, certifications, and inspections paved the way for Dixie Home Inspections, Inc. to offer their clients the ethics of detailed and thorough Home Inspections they expect to receive in their inspection reports. We use all the tools at our disposal to ensure you receive full value for the trust you have extended to us. You can view all the qualifications of Bob to know you are having a knowledgeable home inspector conduct your inspection.
Hi, I'm Robert Kelley, or Bob for short. It's my job to provide you with a thorough inspection and report. I'll be putting my many years of extensive hands-on contractor experience, skills, knowledge, and training certifications to work for you to ensure we meet your expectations.
You should know it's not my style to rush through inspections and give cursory reports just to get the job done. Lots of inspectors work by the clock, just giving superficial overviews of your home to spend 10 minutes on this, 15 minutes on that, and 20 minutes on the other. Everything is timed to produce the most inspections in a day. They take pride in knocking out 3 or 4 inspections a day and make thousands of dollars a week doing "inspections" which I don't consider inspections at all. These robo-inspections don't really serve the best interest of you, the client. They're really designed to serve the best interest of the inspector.
We don't punch a clock and we don't work like that. We give whatever time and attention is required to thoroughly examine any material issues we observe. Our reports reflect major detailed information you need to know to make an informed decision about your home purchase. Our reports reflect personal, customized, and specific comments about what we observe. Most of the other inspector reports we see are "canned" comments from drop-down lists that give pre-written selective choices to expedite the inspection process for the benefit of the inspector, not for the benefit of their client.
We feel an obligation to our clients to provide specific detailed personalized reports. With us, that's what you're paying for, that's what you expect, and that's what you get!