Wind Mitigation Inspection
State Certified Inspections LLC
License HI7932 & Insured
Florida Insurance Carriers looks at 9 Key Categories With a Wind Mitigation Inspection
* Verification of the FL building code that the structure was designed and built to (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit)
* Verification of the predominant roof covering installed (1994 FL Building Code or the 2001 Florida Building Code or better will benefit)
* The inspection and verification of the roof deck attachment including the size & spacing of nails/screws/adhesives that can certify an uplift a) 55 psf b) 103 psf c) 182 psf or better (103 psf, 182 psf or stronger will benefit)
* Verification of the roof to wall connection on every rafter/truss a) toe nails b) clips c) single wraps d) double wraps or e) structural connection (anything better than toe nails will benefit)
* Determination of the roof geometry a) Hip Roof, b) Non-Hip Roof, or c) Flat Roof (a Hip Roof with less than 10% of any other roof shape and less than 100 sq ft of flat area will benefit).
* On a gable roof, the inspection of any gable end bracing that meets the 2001 FL building code or stronger will benefit (currently this credit is not being given by many insurance companies).
* Verification of the wall construction type: a) wood frame, b) un-reinforced masonry, c) reinforced masonry, or d) poured concrete (reinforced masonry or poured concrete equaling 70% or more of the wall construction will benefit although each company views this differently)
* The inspection and verification of any Secondary Water Resistance applied to protect the dwelling from water intrusion (currently only a self-adhering polymer modified bitumen “peel and stick” or a foam adhesive barrier applied to every seam on the roof deck and applied to each side of every rafter or truss will benefit).
* Verification and inspection of wind borne debris protection on every exterior opening – including the windows, doors, garage doors, & skylights (Impact Resistant coverings that meet the FL Building Code or Miami-Dade approval will benefit the most. Non Miami-Dade or Non FL Building Code shutters along with plywood or OSB coverings depending on how strong and how it is installed may receive a discount).
In the end, investing in a wind mitigation inspection is at your own discretion. The potential cost-savings per year could easily outweigh the cost.
So You’re Wondering – Do I just get an inspection and save on insurance? And how much could a person stand to save?
Well, that all depends on the features of your property. An inspector will evaluate the wind-mitigating characteristics of your home or business. Post-inspection, that inspector will make recommendations for any improvements or repairs the property owner could make on their home to enhance its sustainability against windstorm damage. He or she then submits a state-standard inspection report to your insurance agency. The report is viewed as a benchmark of your home’s ability to withstand storm damage, and an appropriate discount is then applied – in Florida, an average discount of 30% is typical, saving a few hundred to over $1000 annually on your insurance premium.