Wind Mitigation Inspection
A Wind Mitigation Inspection ~ simply put, saves you money on your homeowners insurance policy if your home is in an area that requires you to carry windstorm insurance. Florida homeowners insurance policies come to us at a high cost and premiums continue to climb. Having a wind mitigation inspection performed by a qualified inspector gives your insurance carrier details about the structure of your home and can reduce your insurance premium substantially.
The Inspection Process
During a wind mitigation inspection, we will be filling out a detailed report provided by the state (form OIR-B1-1802). The form covers key features about the structure of your home such as type of wall construction, how rafters are connected to the walls, roof covering, roof geometry, roof decking attachment, gable bracing if applicable, is a secondary water barrier present, and opening protection for you windows and doors. Each of these components are independent of each other and can qualify for discounts on their own merit. A home owner can not be penalized if one category is not to the most current building code, but can get a discount if others are. The current industry standard used is the 2001 Florida Building Code.
The entire process of the wind mitigation inspection takes about thirty minutes respectively. A good portion of the inspection requires us to go into the attic and we will be taking pictures each component so it is helpful to make sure there are not any obstacles making the attic inaccessible. We also take pictures of all sides of the home so securing any pets is very important as well.
Documentation on the roof, garage door, hurricane shutters, or hurricane impact resistant windows is very important to have available for us to copy. We carry scanners with us so you don’t have to worry about making copies for us.
Once we’ve gone over the four page wind mitigation inspection form with you in depth, we get your signature and we are out of your way. We will then scan everything into one folder at our office to be immediately emailed to you or your insurance agent.