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Wind Mitigation Inspection

WHAT IS A WIND MITIGATION INSPECTION?

As a homeowner with windstorm insurance, state law entitles you to certain premium reductions, but without an inspection, you can’t get them! If you haven’t had a windstorm insurance inspection at your current home, you are probably paying too much for your windstorm insurance!

During a wind mitigation inspection, a certified inspector reports on the key features that may decrease the amount of damage your home suffers during a hurricane or strong windstorm. These features fall into several categories, such as exterior construction type, roof shape and construction methods, age of roof covering, door and window opening protection as well as the actual year the home was built. Another factor may be the elevation of a property and how it relates to wind speed.

Our company leads the area in Wind Mitigation Inspections. We work closely with other industry leaders in educating inspectors on how to properly perform these inspections. You will receive the most detailed report that will completely satisfy the insurance carrier beyond their expectations without the hassle of an insurance carrier re-inspection.


DISCOUNT FACTORS

There are three main factors for wind mitigation discounts:

  1. The number of wind resistive construction features present
    The more wind resistive features you have, the higher the total discount will be for your property.
  2. The location
    Discounted wind insurance rates are adjusted according to where your property is located within the state.
  3. The value
    The higher value a condo, townhome, duplex or home has, the higher the insurance premiums. (Therefore, the value of the discounts will increase with the value of property.)

WIND MITIGATION INSPECTION ITEMS

The following items are reviewed in a Windstorm Mitigation Inspection:

  • Date of roof installation and if it meets 2001 or newer building code
  • Type of roof deck and deck to truss/rafter fastening method
  • Type of roof-to-wall attachment
  • Roof Geometry (Shape),
  • If there is a secondary water resistance (Peel and Stick),
  • If there is opening protection (wood panels, shutters, impact windows, etc.).

We scan your inspection and send it digitally to you with the appropriate 4-Page form, OIR-B1-1802 (Rev. 02/12), and necessary pictures. If you provide us your Insurance Agent’s email address we would be happy to send them copies of the report electronically.


Book Your Wind Mitigation Inspection Now