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What Is A Wind Mitigation Inspection?

by flrootshi Leave a Comment

A wind mitigation inspection is common in Florida and can give homeowners insurance discounts based on your home’s wind-resistant features. There is a standard report that informs the insurance company of the construction features used in the home. See a sample form here.

What Is Looked At?

Wind Mitigation inspections look for features that have been shown to reduce losses during a hurricane. This takes several things into account which I have listed out in more detail below.

Building Code

This is determining the age of your home to see which building code was in effect at the time according to the permit date. If your home was permitted and built after the Florida Building Code was updated in March 2002, this may get you a discount.

Roof Information and Age

When was the roof permitted? Newer roofs have higher standards that must be followed. What type of roof covering is present?

Roof Deck Attachment

This determines how well your roof is attached to the home and its truss system and the strength of the materials used to attach it.

Roof to Wall Attachment

This shows how the roof is attached to the walls of the home. Double wraps are the strongest type of connection.

Roof Geometry

The shape of your roof plays a big role in how it withstands strong winds. A hip roof slopes down on all sides and provides the best defense against wind damage.

Secondary Water Resistance

There are different types of underlayment used under a roof covering. For this question, we are looking to see if a particular self-adhering underlayment has been used that would act as an additional layer of protection.

Opening Protection

This is a difficult discount to get because all of the window openings must be impact-rated or covered by an impact shutter. Documentation must also be provided so if your home has these features, make sure to keep all of the documents including receipts and any permits available in order to prove this in the future. If there are any stickers present that show this info, leave them in place. This also applies to any entry and garage doors.

Note, the wind mitigation inspection is not looking at the condition of the roof or any windows or doors unless it would affect their wind rating and resistance to damage. So, it is important to note that this is not a replacement for a full home inspection.

Another inspection commonly requested by insurance companies is a 4 point inspection, get more info on that here: 4 Point Inspections – What are they?

If you have any questions or need to schedule a wind mitigation inspection, contact us at 407-502-7668 or [email protected]

Filed Under: Home Inspections, Insurance Inspections Tagged With: Florida home Inspector, Home Inspection, Insurance Inspection, Wind Mitigation Inspection

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Nick Boyd
2022-05-17
Kris was great to work with, very knowledgeable and trust worthy. Would recommend 10/10
Marla Moody
2022-04-14
Kris was professional, and personable but also very knowledgeable in his area of expertise. I will use him again.
LBO Flamez (L-BO)
2022-03-15
Nikki Rubin
2022-03-14
JUAN GONZALEZ
2022-01-17
Neal Nicarry
2021-12-30
Kris walked me through every step of his inspection and answered any questions. He took his time and was very knowledgeable and thorough. He even pointed out very minor details and ways to improve them. I’m very happy with Kristoffer Werk and highly recommend him.
CHRIS DAVIS
2021-11-04
Arrived on time, professional and knowledgeable when asked questions. Will use services again on next purchase.
CHRYSTALE FRANCOIS
2021-10-24
Mr. Kris is an amazing professional! He walk me through the process with insightful tips and educated me on the do's and don'ts of condo living. He is honest and trustworthy. On any future prospective purchases I will be using his services. The report that he provided is detailed 👌🏾 and irrefutable in the negotiations of the buying process.
Hannah Beverly
2021-10-08
Kristoffer was very fast, efficient, and friendly. He got our home inspection report back to us the same day he performed the inspection. He even came back a second time to include some things that our insurance company required that were not mentioned in the original report. Would highly recommend.
Bethany George
2021-09-16
Kris is a pleasure to work with. He's punctual and pays extra attention to all of the details. His inspect reports are easy to understand and easy to read. We would give him the highest recommendation. If you need an inspection, this is your guy!
Google rating score: 5 of 5, based on 12 reviews.

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Serving Central Florida - Orange, Seminole, Volusia and Lake County
Longwood, FL 32750
407.502.7668

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