Wind Mitigation Inspections:

A Wind Mitigation Inspection is a valuable inspection service that may reduce your windstorm insurance. Wind Insurance discounts are available for building features that reduce damage during high wind events. The Wind Mitigation discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. Most existing structures have one or more wind resistive construction features and may qualify for some Wind Mitigation insurance discounts.

Wind Mitigation Inspections are available for all single family homes, townhouses, condos and commercial buildings. Homeowner and Condo Associations also qualify for wind mitigation credits. Call to schedule your Wind Mitigation Inspection.

Insurance companies in Florida are required to recognize submitted Wind Inspections performed by qualified personnel and will provide discounts based on the construction and/or mitigation features of your home.

Wind Mitigation inspection and documented finding may save you, the property owner between 5% to 82% on your wind insurance premiums. There are currently 9 qualifying discounts and we will inspect all 9 areas to help you get the best discount available.

The 9 features that merit a discount include:

1. Verification of the FL building code that the structure was designed and built to (1994 South FLBuilding Code or the 2001 Florida Building Code or better will benefit)
2. Verification and inspection of the predominant roof covering installed (1994 South FL Building Codeor the 2001 Florida Building Code or better will benefit)
3. Inspection of the roof deck attachment including the size & spacing of nails/screws/adhesives thatcan certify an uplift of a) 55 psf, b) 103 psf, or c) 182 psf or better (103 psf, 182 psf or stronger will benefit)
4. Inspection of the roof to wall connection on EVERY rafter/truss of a) toe nails, b) clips, c) single wraps,d) double wraps, or e) structural connection (anything better than toe nails will benefit)
5. Determination of the roof geometry – a) Hip Roof, b) Non-Hip Roof, or c) Flat Roof (a Hip Roof withless than 10% of any other roof shape and less than 100 sq ft of flat area will benefit).
6. On a gable roof, the inspection of any gable end bracing that meets the 2001 FL building code orstronger will benefit (currently this credit is not being given by many insurance companies).
7. Verification of the wall construction type – a) wood frame, b) un-reinforced masonry, c) reinforcedmasonry, 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).
8. The inspection and verification of any Secondary Water Resistance applied to protect the dwellingfrom 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).
9. Verification and inspection of wind borne debris protection on every exterior opening – including thewindows, 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).