A wind mitigation inspection is an inspection of the home covering areas of the structure that help protect it from strong hurricane force winds. If a home has these protective features in place, it can qualify for wind credits with any insurance company in Florida. This can mean a substantial savings of up to 88% for homeowners. Wind mitigation inspections are known to be the most effective type of inspection for lowering your insurance policy.
There are six steps in performing a Wind Mitigation. First, we examine the year the home was built. Second, we determine the year the roof was built. Third, we access the attic and check for hurricane features in the construction. We inspect the roof decking type, the size of the nails used to fasten the deck, and the nailing pattern of your roof deck; all of which qualify for discounts on your policy. Fourth, we examine the roof to wall attachments and determine whether double wraps, single wraps, clips, or toe nails were used. Fifth, we determine what the geometric shape of your roof is. A hip roof alone qualifies for a 40% discount on your insurance premium. Finally, we check every single exterior opening on your home and determine what type of opening protection credit you deserve.
One factor many homeowners are not aware of is that a wind mitigation form is based off of the weakest point. For instance, if your roof is made up of two different roofs (let's say shingle and modified bitumen), and the shingle roof was replaced in 2017 and your modified bitumen roof was replaced in 2010, the roof will be categorized on the report as a 2010 roof. Also, modified bitumen roofs do not have attics, but shingle roofs do. The report will then be categorized as having no attic since that is the weakest roof. In reference to windows and doors, if there is even one opening that is not protected by shutters or hurricane impact doors/windows, then you will lose all or most credits associated with doors and windows.