.png)
Wind Mitigation Inspection
What is a Wind Mitigation Inspection ?
The purpose of a windstorm mitigation inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane. The result of the wind mitigation inspection report can be sent to your insurance agent to reduce your homeowners insurance premium.
​
A wind inspection looks for construction features that have been shown to reduce damage during hurricanes. The features found during the insurance inspection that help determine the structure's stability are:
-
The age of the structure
-
The roof age and the type of roof covering material
-
The type of roof deck, deck attachment, & nail size
-
The type of roof underlayment (Secondary water resistant barrier)
-
The roof shape (Hip, gable, flat, etc)
-
The roof to wall attachments (Hurricane Straps)
-
Windows, doors, garage doors, skylights, & glass blocks
-
Hurricane opening protection devices (Storm panels, shutters, impact windows & doors, etc)
Click to View
Wind Mitigation Inspection Benefits
It provides an overall view of home features that protect you and your family during storms
​
It provides a list of home improvements that can potentially increase your home’s value
​
It can help reduce the cost of your homeowners insurance
​
It helps homebuyers in making safe investment decisions
Since 2006, insurers have been required to offer wind mitigation discounts to homeowners who provide a windstorm mitigation report. Without it, insurance companies assume that your home is not protected and will quote you accordingly. Most of the time, the discount received from your insurance carrier outweighs the cost of the inspection, so you have absolutely nothing to lose!
When to Schedule an Insurance Inspection ?
-
Prior to purchasing a new home
-
Prior to seeking a new homeowner’s insurance policy
-
To renew your homeowner's insurance policy
-
To learn about weak points in your home's construction that could affect the property during storms
-
To list your home as “insurable” and utilize the insurance reports (4 point & wind mit) as a selling point
-
After performing home improvements such as installing new impact windows and doors, installing opening protections, completing a hurricane strap retrofit, and/or replacing the roof
-
To find peace of mind during the hurricane season
Frequently asked questions
Wind Mitigation Inspection for HOA Communities
Florida Wisdom Home Inspections provides TYPE I Wind Mitigation Inspection for residential buildings with less than 4 stories. We provide inspection services for condominium associations, apartment communities, and townhouse communities.
​
A wind mitigation inspection can reduce the HOA insurance premium. After the inspection, we will make sure to educate you and your team regarding potential available discounts the association may have if improvements are made. By following the recommendations made by your home inspector, you will be able to minimize hurricane related damages and protect the residents. Despite the initial inspection and upgrade fees, yearly potential insurance discounts and reduction on storm damages can translate into substantial financial benefits over time.
What is a Wind Mitigation ?
The windstorm mitigation inspection recognizes building features that can help reduce damages caused by storms. This inspection is often requested by insurance carriers upon seeking windstorm insurance coverage, renewing an insurance policy, and/or after major improvements have been made to the buildings (such as re-roofing, impact windows & doors installation, storm panels installation, hurricane straps retrofit, etc). The result of this windstorm mitigation report has a direct impact on the HOA insurance premium. Therefore, at the end of the insurance inspection, suggestions will be made to improve the wind resistance level of the structures to help in obtaining the best insurance rate. By the end of this process, you and your team will know if the residential buildings are well prepared for upcoming storms and which modifications can be made to receive additional insurance discounts. We are here for you, before, during, and after the inspection.
Wind mitigation inspection reveals :
-
The age of the buildings
-
The roof's age, types of roof covering material, & roofing permit numbers
-
The types of roof deck, deck attachment, & nail size
-
The types of roof underlayment (Secondary water resistant barrier)
-
The roof's shape (Hip, gable, flat, etc)
-
The types of roof to wall attachment (Single wraps, double wraps, clips, toe nails, etc)
-
Windows, doors, garage doors, skylights, & glass blocks impact rating
-
The types of opening protection (Storm panels, accordion shutters, impact windows & doors, etc)
Perks and Benefits
We are working on holidays and weekends to help you meet your deadlines.
We are organized and efficient. We pride ourselves in quickly delivering detailed and accurate reports.
We have a systematic approach which makes the inspection process smooth and stress free.
Our commercial general liability and E&O insurance protects the community and it's residents.
We are attentive to your needs. You will know what to expect and we will guide you along the way.
We are respectful, trustworthy, and friendly. The residents will feel safe and comfortable around us.
Florida Wisdom has helped hundreds of homeowners, condo associations, apartment and townhouse communities. Let us assist you, we can guarantee that you won’t be disappointed.
Schedule your inspection by calling 561-509-4190 or by filling our contact form below.