Saving money on Homeowner's Insurance (Louisiana)

quote:

---

This little-known inspection could save Louisiana homeowners big bucks on property insurance

---

quote:

---

Van der Meulen is one of two dozen surveyors licensed by the state to conduct wind mitigation inspections – a service that, in some instances, has saved homeowners thousands of dollars on their property insurance.

---

quote:

---

The inspection, which costs around $300 and takes roughly an hour, identifies aspects of a home’s construction that help reduce losses in the event of a windstorm that an insurer may have overlooked when writing the policy.

The end product is a survey form that policyholders can submit to their insurers for potential discounts.

---

quote:

---

Dan Mills, the group’s chief executive officer, said he got $1,600 shaved off his $8,000 policy with Louisiana Citizens for his home in the Tall Timbers neighborhood as a result of the inspection.

“Your bang for the buck on wind mitigation is going to be there,” Mills said. “I recommend everybody get a wind mitigation survey.”

---

quote:

---

Each insurer approaches the discounts differently, and there’s no guarantee that you’ll save money.

---