You can save up to 89% of your policy premium if you have full coverage, and, depending on the coverage that you have, you may be entitled to a minimum of 20% off your premium, every year!
This seems too good to be true. How is this possible?
As a Florida homeowner, you are entitled to certain premium reductions that have been mandated by state law. DMI is here to educate homeowners about these reductions and how they can benefit. Every day, many of our customers knock several thousand dollars off of their annual premium.
DMI is the biggest and the best! We are the largest windstorm inspection company in Florida, in business since 1999. Don't be fooled by imitators that offer a bargain-basement inspection! If a less-experienced inspection company neglects to spot just one beneficial construction feature of your home, it could cost you hundreds of dollars per year!
With licensed general, building, and residential contractors on staff, our experience and technical knowledge is second to none. Our technical experts were instrumental in the developing the Florida universal wind mitigation inspection form (Form OIR-B1-1802) for the Florida Office of Insurance Regulation. We are also proud to have been selected by the State of Florida's Department of Financial Services as an authorized Wind Certification Entity for the My Safe Florida Home program.
Contact the Don Meyler Windstorm Inspections by requesting an inspection online, or by calling the office at 800-469-0434. One of our representatives will get you started. When you call, have your current windstorm policy information handy, including your insurance company, their phone number, agent and policy number.
DMI regrets it is no longer able to offer a money-back guarantee, although as a practical matter, more than 98% of windstorm inspection reports for policyholders who have never had one done before will lower their windstorm insurance by more than the cost of the inspection over the following 12 months. In addition to several actuarial reasons, this is because the initial mitigation credit status on most insurance policies for homes built before the latest building code changes defaults to "unknown" prior to an inspection. Simply by substantiating the precise mitigation features of the home through an inspection, there is usually some benefit to the policyholder that compensates the homeowner for having purchased the inspection. Nevertheless, some insurance carriers have pointed out that any inspection process in which the fee is in any way contingent on the results of the inspection could be seen as an incentive to distort inspection results, ostensibly to allow the inspection company to avoid having to issue any refunds. As a result, this policy has been discontinued and replaced with DMI’s Satisfaction Guarantee (see below).
DMI guarantees that each windstorm inspection we perform on our MitPro inspection system will be: 1) scheduled by a friendly customer service professional and never an inspector, 2) both physically performed and personally signed by a properly licensed and insured General, Building or Residential Contractor, Architect, or Professional Engineer, 3) individually reviewed by a member of our quality control team led by our in-house Professional Engineer, and 4) followed by excellent post-inspection customer service for any questions or concerns the policyholder, insurance agent, or underwriting department may have. If we have failed to provide any of these items on your inspection, please contact us here and we will do our best to make things right.
All of them! Florida has required that insurance companies give discounts for important wind mitigation features such as shutters, roof straps, and concrete block construction.
Are there penalties for knowingly obtaining an inappropriate mitigation discount? What about for the inspectors?
Yes. In 2009 HB1495 (lines 2143-2148) passed by the legislature and signed by Governor Charlie Crist states: "An individual or entity who knowingly provides or utters a false or fraudulent mitigation verification form with the intent to obtain or receive a discount on an insurance premium to which the individual or entity is not entitled commits a misdemeanor of the first degree, punishable as provided in s. 775.082 or s. 775.083." Note that a misdemeanor of the first degree carries a potential punishment of $1,000.00 fine and up to one year in jail per charge.
In addition, the 2010 legislative session introduced strict new penalties for inspectors who sign inspection forms that they know to be wrong, or that demonstrate a pattern of unwarranted mitigation credits, which passed and was signed by the governor in HB663. These strict new penalties for those who sign the form went into effect on July 1, 2010.
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