How a Wind Mitigation Survey in Louisiana Can Save You Money
Living in Louisiana, you know the drill—humid summers, vibrant culture, and, oh yeah, those wild winds that roll in with Hurricane Season.
Whether you’re in New Orleans, Baton Rouge, or along the Gulf Coast, your home’s no stranger to nature’s temper tantrums.
That’s where a wind mitigation survey comes in—a simple step that could cut your Louisiana Home insurance costs and give you some much-needed peace of mind. Let’s break it down
KEY POINTS
How much can you save? Up to 40% off the wind premium
How much does it cost? $200 to $300 is the average
Find a Local Wind Mitigation Surveyor click here
To view a Wind Mitigation Survey Form click here
What’s a Wind Mitigation Survey?
A Wind Mitigation Survey (sometimes called a windmit) is like a checkup for your home’s storm defenses.
A certified licensed Wind Mitigation Home Inspector swings by to see how well your place can stand up to Louisiana’s gusty weather—think hurricane straps, storm shutters, or a roof built to take a beating. They’ll hand you a report (and sometimes a certificate) detailing your home’s wind-resistant features.
In a State like Louisiana, where Hurricanes and Tropical storms are part of life, insurance companies love this info.
A tougher home means fewer claims, so they often reward you with home insurance discounts in Louisiana. It’s a practical way to keep more money in your pocket while bracing for the next big blow.
Why It’s a Big Deal in Louisiana
Picture this: You’re watching the weather radar as a storm brews in the Gulf. Your home’s got a sturdy roof and reinforced windows from a recent upgrade, but your insurer doesn’t know it.
Without a wind mitigation survey, you’re paying the same Louisiana homeowners insurance rate as someone with a less structural wind resistant property. Get that survey done, though, and you’re proving to the Insurance Company your home is better prepared to withstand the next Hurricane and you deserve a lower premium.
How much can you save?
In Louisiana, wind mitigation discounts can knock off 10% to 40% of the windstorm portion of your policy, depending on your home’s features and your insurer. For a $6,000 annual home insurance policy in Louisiana, that could mean $600 to $2400 back.
What They Look For—and How It Helps
During a Louisiana wind mitigation survey, the inspector zeroes in on features that make your home a wind warrior. Here’s what’s on their radar:
Roof Shape: Hip roofs (sloped on all sides) handle wind better than gable roofs—good news for your home insurance savings.
Roof Tie-Downs: Hurricane straps or clips securing your roof to the walls? That’s a big plus for Louisiana insurance discounts.
Windows and Doors: Impact-resistant windows or shutters can keep bayou breezes from busting in, boosting your savings.
Roof Materials: Wind-rated shingles or metal roofing stand up to storms, lowering your Louisiana home insurance rates.
Building Codes: Homes built or retrofitted to Louisiana’s wind-resistant standards (post-Hurricane Katrina codes, for example) often score higher.
The stronger your home, the bigger the wind mitigation savings—and in a state hit by storms like Hurricane Ida and Hurricane Laura, that’s no small thing.
A Louisiana Story: Real Savings, Real Life
Take Mia, a homeowner in Lafayette. After a near-miss with a storm, she added hurricane clips to her roof for $550. She booked a wind mitigation survey for $250, and the report showed her upgrades made her home better against wind. Her insurer dropped her premium by 25%—saving her $1500 a year on her Louisiana homeowners insurance. That one move paid off fast, and now she’s got extra cash.
How to Get a Wind Mitigation Survey in Louisiana
Ready to see the benefits? Here’s how to make it happen:
1. FIND A PROFESSIONAL INSPECTOR
2. SCHEDULE YOUR INSPECTION
3. SUBMIT YOUR WIND MITIGATION REPORT TO YOUR INSURANCE COMPANY
No upgrades yet?
Older homes might still qualify for partial wind mitigation discounts in Louisiana if they’ve got some storm-ready traits. Planning a reno? Ask about wind-resistant options—they’re smart for both safety and your wallet.
Beyond Savings: Peace of Mind in a Coastal Area
A wind mitigation survey isn’t just about trimming your home insurance costs in Louisiana—it’s about knowing your home’s ready when the wind starts blowing. In a State where Hurricane season is a yearly ritual, that’s huge. Pair that with a lower Louisiana homeowners insurance policy, and you’re set.
If you’re in Louisiana, don’t sleep on this. Contact us today—we’ll help you find a wind mitigation survey near me in Louisiana and unlock those savings. Your home might be tougher than the Insurance company thinks, and your insurance bill should reflect it.
Here is a list of licensed Home Inspectors approved in Louisiana to provide a wind mitigation survey click here
