If you live in a region vulnerable to hurricanes or strong winds, a wind mitigation inspection is a smart step to protect your home and possibly lower your insurance premiums. Understanding what happens during the inspection can help you prepare and make the most of the process. This guide explains what to expect during a wind mitigation inspection and how it benefits you as a homeowner.
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is a professional assessment of your home’s features designed to reduce damage from windstorms and hurricanes. A licensed inspector evaluates specific components of your house that help it resist high winds. The results are documented in a report that you can submit to your insurance company to qualify for discounts on your windstorm insurance.
When Should You Schedule an Inspection?
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When purchasing a new home in a hurricane-prone area
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Before renewing or shopping for homeowner’s insurance
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After making structural improvements, like installing impact windows or hurricane straps
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To check if your existing home qualifies for new discounts
What the Inspector Will Look For
During the inspection, the professional will assess various wind-resistant features, including:
1. Roof Shape and Type
The inspector notes your roof’s design (hip, gable, flat) and materials (shingles, tiles, metal), since some roofs perform better in wind.
2. Roof-to-Wall Attachments
They check for hurricane straps or clips that secure your roof to your home’s walls. This is a key factor in wind resistance.
3. Roof Decking
The type and attachment method of your roof decking (plywood or OSB, nailed or stapled) will be examined because it affects how well the roof holds during a storm.
4. Secondary Water Barrier
Inspectors look for an extra water-resistant layer beneath your roof covering that helps prevent leaks if the roof surface is damaged.
5. Opening Protection
They assess windows, doors, and garage doors for impact-resistant glass, shutters, or other approved protection systems.
6. Other Structural Features
The inspector may note other relevant details, such as gable end bracing or the presence of reinforced garage doors.
How Long Does the Inspection Take?
Most wind mitigation inspections take 30 to 60 minutes, depending on the size and complexity of your home. The inspector will likely need access to your attic or roof, so make sure these areas are accessible.
How to Prepare for the Inspection
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Clear access to the attic, roof, and exterior walls
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Gather any documentation about recent upgrades (like impact windows or roof reinforcements)
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Ensure pets are secured or away from the inspection area
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Ask questions or express concerns to the inspector during the visit
What Happens After the Inspection?
The inspector will provide a detailed wind mitigation report, typically using a standard form recognized by insurers (like Florida’s OIR-B1-1802 form). You can submit this report to your insurance company to receive discounts on your premium if your home qualifies.
Benefits of a Wind Mitigation Inspection
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Potentially lower your insurance premium by up to 40% or more
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Identify upgrades that can further protect your home
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Increase your home’s value and safety during storms
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Peace of mind knowing your home’s wind protection status
Final Thoughts
A wind mitigation inspection is a quick, straightforward way to save money and protect your biggest investment—your home. Being prepared and understanding the process helps ensure a smooth inspection and maximizes your insurance savings.
If you need assistance scheduling a licensed wind mitigation inspector or want advice on improving your home’s wind resistance, I’m here to help!