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 – Attachments like toe-nails, hurricane straps, and/or clips which securely attach the roof to the walls of the home help prevent roof damage during hurricanes.
- Secondary water-resistance barriers – Using secondary water-resistance barriers, such as an approved foam or peel-and-stick underlayment applied directly to the wood sheathing when installing a roof, reduces the risk of water damage in the event of shingle damage.
Why Should I Get A Wind Mitigation Inspection?
The primary reason is to potentially 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. Some insurance companies won’t tell you about this inspection or possible discounts, so you have to be savvy to inquire. However, by law, the discounts must be applied to your premium if your home has features that can mitigate wind damage.