Living in paradise comes with its unique challenges. As Southwest Florida homeowners, we face distinct environmental factors that can significantly impact our properties. Whether you’re a seasoned local or new to the area, understanding these key inspection points can protect your investment and ensure your home stays in top condition year-round.
This article focuses on Summer Seasonal Issues.
Hurricane Preparedness & Storm Impact Assessment
Impact-resistant windows and doors; (see Insurance Savings & Benefits below)
Roof integrity and proper strapping;
Adequate drainage systems;
Seawall condition (for waterfront properties);
Emergency shutters and protection systems.
Insurance Savings & Benefits
The financial impact is substantial – Florida homeowners can save up to 45% on their home insurance premiums by installing impact-resistant windows and doors. Here’s what makes this possible:
Wind Mitigation Credits
Florida law requires insurance companies to offer discounts for hurricane protection measures. These credits remain valid for five years after installation.
Even homes with minimal wind mitigation features could see up to 50% reduction in hurricane/wind premiums.
Why Insurance Companies Offer These Discounts
Impact windows significantly reduce storm damage risk;
Homes are less likely to experience catastrophic damage during hurricanes;
Reduced likelihood of insurance claims for wind-driven rain damage;
Lower risk of theft and break-ins (an added security benefit).
Benefits Beyond Insurance Savings
Impact-resistant windows and doors offer these additional advantages:
Energy cost reduction through better insulation and UV protection;
Elimination of hurricane shutter costs;
Increased property value;
Reduced maintenance and replacement costs;
Enhanced home security.
Rainy Season / Moisture & Humidity Management
Signs of hidden water damage;
Proper ventilation systems;
Air conditioning efficiency and maintenance;
Early detection and prevention of microbiological growth.
Recommended Action Steps
Homeowners:
Regular AC system inspection and maintenance;
Roof inspection before hurricane season;
Check for pest infestations (especially termites);
Pool equipment inspection/assessment.
Investment Property Owners:
Confirm insurance requirement compliance;
Confirm rental property regulation compliance;
Assess property with eye toward tenant safety;
Assess property for cost-effective and value enhancement opportunities.