Gulf Coast · An inspection is evidence, not a discount
A wind mitigation inspection documents how the house is built. It does not add flood, and it is not a fixed percent off.
The inspector records the roof covering, how the roof is attached, and whether the openings have shutters or impact glass. Insurers and, on parts of the Texas coast, the wind pool use that record when they decide whether to write the wind and how to price it. Credits, if any, are carrier-specific. This page will not invent one. It is not an engineering report.
Wind and flood are still different policies. TWIA, where it applies, is coastal wind and hail. It is not flood. A mitigation form does not buy either one. The hail or wind deductible is still often a percent of Coverage A. On a $450,000 dwelling, 2 percent is $9,000. That is an example, not a quote. Documented clips and shutters do not shrink that percent unless the declarations change. On the Texas coast the certificate people mean is often a WPI-8: how a WPI-8 fits a TWIA policy. What TWIA actually pays: TWIA cost and coverage, without a fake premium.
The season and the peril: hurricane season and hail on the house and the car. The policy the inspection is trying to qualify: Texas homeowners, what it covers, and the product page.
Get the inspection before you assume the wind quote will move. Then read the deductible in dollars. Ask an agent or get a home quote.
