What is a Wind Mitigation Inspection?
A wind mitigation, or windstorm inspection, is an examination of certain wind-mitigating features of a home that help reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm. Homeowners can receive substantial discounts on their insurance premiums depending on the features that may be in place. These inspections must be performed by qualified inspectors.
What Does a Wind Mitigation Inspection Cover?
During our Wind Mitigation Inspections, we are looking for the key features listed in the Uniform Mitigation Verification Inspection Form (sample form). We then generate a report based on our findings, which you can then submit to your insurance provider.
- Roof Coverings: We will determine when the roof was installed and if it meets building codes.
- Roof Deck Attachment: We will determine what type of roof decking is used and how the decking is attached to the structure, i.e. if it’s nailed or stapled down. If nails are used, the nail length and spacing between each nail will also be noted.
- Roof to Wall Attachment: We will determine how the roof trusses are attached to the walls. Are they toe-nailed, clips, single wraps, double wraps, etc.? The more secure your roof the better the savings!
- Roof Geometry: We will determine the shape of your roof. A hip roof resembles that of a pyramid, and definitely qualifies for a discount.
- Secondary Water Resistance: SWR (also called Sealed Roof Deck) Self-adhering polymer modified-bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed-on insulation) applied as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss.
- Opening Protection: We will determine if shutters or protection devices from wind-born debris at doors and windows are in place. We will also check the rating of the devices, if they are present.
Need a Wind Mitigation Inspection?
We are your Northeast FL Wind Mitigation Inspectors. Click below to schedule your Wind Mitigation Inspection, or to get answers to any questions you may have.
Do Wind Mitigation Inspections Expire?
Your wind mitigation inspection report must be less than 5 years old in order to receive insurance discounts, even if the home’s features have not changed. Check with your insurance provider if you feel your wind mitigation report is about to expire. If your report is close to expiring, we can provide a new report for you.
Will I be Penalized for Not Having Certain Features?
No, you will not be penalized for features that you do not have, only credited for the features that are in place.
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