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A wind mitigation inspection is a report that is generated for the insurance carrier. As a home owner with windstorm insurance, state law entitles you to certain premium reductions. However, without a wind mitigation inspection, you can not get the discounts. If you have not had a windstorm insurance inspection at your home you are PROBABLY PAYING TO MUCH FOR YOUR WINDSTORM INSURANCE!
During a wind mitigation inspection, a qualified home inspector reports on the key features that may decrease the amount of damage your home suffers during a hurricane or strong windstorms. There features fall into several categories; such as exterior construction type, roof shape, construction methods, age of the roof covering, door and window opening protection, as well as the year the home was constructed. Another factor maybe the elevation of the home and how it relates to wind speed.
When performing a wind mitigation inspection we take precise care to record the following information and take pictures (as seen below) to report to the insurance carrier if you may receive any discounts. Part of the wind mitigation inspection is we go into the attic. In the attic we randomly pick three roof rafters or roof trusses. We usually try to select two on each end of the roof and two near the center. We determine the nail length penetrating into the roof framing member. We also, measure the length of the nail penetrating through the sheathing. Once the attic portion is complete, we inspect any windows and glass block for hurricane stamps or Broward/Miami Dade stickers. This tells us if the glass will be hurricane wind resistant. Once that is complete we from there inspect the garage door for bracing and if any shutters can be attached to any glazing elements. Upon completion of the wind mitigation inspection, we visually inspect the roof and record all dimensions and take a few pictures of the exterior. While we make no guarantee that you may receive discounts from the insurance carrier, we will do our best to inspect all elements required by insurance companies for wind mitigation.
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