A Wind Mitigation Inspection is a great tool to reduce your overall cost when it comes to your homeowners insurance. Submitted to your insurance provider, it may result in discounts to your policy to help save money. Most existing homes have one or more construction features that will qualify for windstorm insurance premium discounts.
A Wind Mitigation Inspection verifies the construction details of your home and is used to qualify for discounts on your insurance premium. The better your house is built to withstand Wind Damage, the more discounts you will qualify for each year.
A wind mitigation inspection is a type of home inspection. The purpose of a wind mitigation inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane.
A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida premium discounts for certain favorable wind mitigation features are mandated by State law and can sometimes show savings that up to 45% of the original policy’s premium.
This inspection will consist of the inspector looking for the following 7 key categories listed below.
- Building Code: will document if the structure was built in compliance with Florida building codes.
- Roof Covering: will document the type of materials used, when the roof installed and if there are any permits on record.
- Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, for example, if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
- Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the more significant the savings.
- Roof Geometry: is your roof hip, gable or other? The inspector is looking for how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
- Secondary Water Barrier: This will document if a self adhering underlayment has been applied as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss.
- Opening Protection: Here, inspectors are looking for impact rated glass, shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings (All or nothing) need to be covered with Hurricane rated protection to qualify for this discount