What is a wind mitigation inspection?

What Is a Wind Mitigation Inspection?

A wind mitigation inspection is one of the best ways for Florida homeowners to potentially lower their homeowners insurance premium. As a Florida homeowners insurance agent, I often recommend this inspection because it identifies construction features that help your home withstand high winds and hurricanes. Many insurance companies offer valuable discounts for homes with qualifying wind-resistant features.

Unlike a home inspection, a wind mitigation inspection focuses specifically on how well your home is built to resist wind damage. The inspector documents certain construction features and submits a report that your insurance company uses to determine whether your home qualifies for wind mitigation credits.

What Does a Wind Mitigation Inspection Evaluate?

A certified inspector will evaluate several key features of your home, including:

• The age of your roof and whether it meets current Florida Building Code requirements.
• The shape of your roof, such as hip or gable construction.
• How the roof deck is attached to the home's structure.
• The type of roof-to-wall connections, including hurricane clips or straps.
• Whether secondary water resistance is installed beneath the roof covering.
• The protection provided by impact-resistant windows, doors, shutters, or other opening protection.

Can a Wind Mitigation Inspection Save You Money?

Yes. Depending on your home's construction and the insurance company you choose, qualifying wind mitigation features may significantly reduce your homeowners insurance premium. Homes with newer roofs and hurricane-resistant construction often receive the largest discounts.

When Should You Have an Inspection?

If you've recently replaced your roof, installed hurricane shutters, upgraded your windows, or made other storm-resistant improvements, it's a good time to schedule a wind mitigation inspection. Even if your home was built several years ago, you may qualify for discounts that are not currently reflected on your insurance policy.

Review Your Wind Mitigation Credits

Many Florida homeowners are surprised to learn they may already have wind-resistant features that qualify for insurance savings. A licensed Florida homeowners insurance agent can review your current policy, explain your available wind mitigation credits, and compare quotes from multiple insurance companies to help ensure you're receiving every discount for which you qualify.

Q&A Category: Wind Mitigation

Looks like you are interested in questions related to Wind Mitigation. Below are several questions related in Wind Mitigation that you also might find helpful.

• Which wind features qualify for discounts?
• What is a wind mitigation inspection?