Wind Mitigation
Wind Mitigation Inspection
A wind mitigation inspection will look at certain features of your home to determine how well it can stand up to the high winds associated with tornados and hurricanes. It looks at features such as:
- Roof bracing: roof-to-wall connections
- Roof shape
- Wall anchors
- Impact resistant glass
- Reinforced garage doors
- Concrete block construction
- Secondary water barriers
- Shutters: permanently affixed to the home, cloth coverings, automated coverings, etc.
The most common roof covering materials in Florida are composition shingles and tiles. A key factor in roof covering performance is the method of attachment of the roof covering material to the roof deck. Nails, not staples, should be used to fasten these materials. Additionally, field testing has shown that hip roofs receive up to 40% less pressure from wind than gable roofs.
Insurance Discounts
In Florida, the portion of a homeowner's premium covering wind damage can be up to 70% of the total, depending on location.
Those with windstorm insurance can avoid a costly deductible. Deductibles for homes in hurricane-prone areas can exceed $20,000, meaning that mild to moderate wind damage might not be covered by insurance at all. If proper wind mitigation techniques have been used, these expenses can be avoided altogether. Florida Statue 627.0629
Wind Mitigation Report
Lenders in Florida require homeowners to carry windstorm insurance in order to be approved for a mortgage. Insurers may not provide windstorm insurance to homes that are vulnerable to wind damage.
Only a qualified inspector can perform a Florida Wind Mitigation inspection for the insurance provider.
Book an A2Z Four Point Inspection With Mitigation and see how you can start save on your homeowner's policy.