Wind Mitigation Inspection
A wind mitigation inspection in Florida involves a standardized 7-question form created post-2004 hurricane season. This inspection aims to identify homes that qualify for homeowner insurance discounts by meeting specific criteria for protection against high wind events, such as hurricanes.
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What Your Wind Mitigation Inspection Includes
The Age of the Home
We research to see if the home application permit was issued after March 1st, 2002
The Age of the Roof
We research to see if the roof application permit was issued after March 1st, 2002
The Geometry of the Roof
We check to see if less than 10% of the total roof perimeter has gable or flat features. This is one of the biggest credits if the home qualifies.
The Size of Roof Deck Fasteners & Spacing
We use specialized equipment to determine the size of fasteners and the spacing between them.
The Roof to Wall Connections
We inspect where the roof and wall connect to see how it is attached.
Presence of SWR
We investigate to see if the roof has a self-adhering underlayment known as an SWR or Peel and Stick.
The Protection of Openings
We inspect doors and windows for "impact rating". This determines the strength of these openings during a hurricane or high winds.
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Frequently Asked Questions
How much will I save on my home insurance?
Estimated savings on home insurance can vary significantly depending on your home's features. It's best to discuss potential discounts and estimated savings directly with your insurance agent. While home inspectors can identify your home's attributes, they can't determine the exact savings you'll achieve.
How long does a Wind Mitigation Inspection take?
A wind mitigation inspection typically takes about 30 minutes to an hour. During this time, a home inspector will walk around your property, inspect a few components in the attic, and examine all openings.
When will I receive the report?
The inspection report will be completed and sent to you on the same day as the inspection. Reports are generally sent between 5 PM and 8 PM and will be accessible once the inspection agreement is signed and payment is received.
How did I lose my insurance credits?
Homeowners may occasionally lose insurance discounts due to errors in previous wind mitigation inspections, often from incorrect documentation of home features. Thankfully, such cases are rare, and most homeowners still save on premiums annually.
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