Understanding Wind Mitigation Inspections
Wind mitigation inspections are unique to Florida, and other areas of the United States that frequently experience gale-force winds from hurricanes and other storms.
As the name implies this type of inspection focuses on components of the home that can help prevent serious structural damage due to high winds.
What Will The Inspector Look For During The Inspection Process?
Your wind mitigation inspector will look for any kind of construction feature that has been proven to reduce the risk of loss in the case of a hurricane, such as:
- A hip roof – Hip roofs, which taper gently with 4, even slopes, hold up to high winds more effectively than gabled roofs.
- Concrete block construction – Homes constructed with concrete blocks are heavier and can resist the shear forces of hurricane winds more effectively.
- Gable end bracing – Bracing gable ends in the home helps distribute wind loads more evenly, reducing the risk of structural failure.
- Shutters/opening protections – Shutters and storm windows reduce the risk of personal injury and structural damage from high winds.
- Roof-to-wall attachments – Additional attachments like toe nails, hurricane straps, and clips which securely attach the roof to walls help prevent roof damage during hurricanes.
- Secondary water resistance barriers – Using secondary water resistance barriers, such as two or more layers of water resistant underlayment when building a roof, reduces the risk of water damage.
Why Should I Get A Wind Mitigation Inspection?
The primary reason is to get a discount on your homeowner’s insurance. Depending on where you are in Florida, wind damage premiums can make up a large percentage of your monthly payments. By having your home inspected and checked for wind mitigation features, you may be able to get a significant discount.