Windstorm Mitigation Insurance Inspection

hurricane-smallWhat is wind mitigation and what is a “Wind Mit?”

A windstorm inspection, also referred to as a wind mitigation inspection, is an inspection to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane. You will often hear it being called a “Wind Mit”.

IN ENGLISH: The insurance companies want to make sure if high winds occur, your homes roof will not blow off, or will flying debris ending up in your living room!

In the past few years home owners are seeing their rates increase on their home insurance.  They are “through the roof” pun intended. Contact Wolf Inspection Services to schedule your Wind Mitigation today, and start saving money tomorrow!

What are the insurance companies looking for in wind mitigation?

There are 7 areas that are inspected during a Wind Mitigation Inspection. The following is a summary of what is required to receive the discount. We have attempted to briefly explain each area, and believe they are in order of importance.

  1. windmitBuilding Code – The form OIR-B1-1802 ask that the inspector report whether the home was built in compliance with 2001 Florida Building Code (FBC). If your home has a building permit application date of 3/01/2002 or later, you will receive this discount.
  2. Roof Covering – What type of roof covering do you have: shingle, concrete, tile, etc.? Essentially, if the roof was put on in accordance with 2001 FBC and/or has a building permit application date of 3/02/2002 or later, the credit will apply.
  3. Roof Deck Attachment – The roof deck attachment refers to how the roof deck is fastened to the trusses. In most cases, the roof deck is either plywood or OSB board, and is fastened with nails or staples to the trusses. The credit is dependent on nail size and spacing.
  4. Roof to Wall Attachment – This credit is given based on what the inspector reports for the attachment of the trusses to the wall. The number of nails holding the strap/clip to the truss is often the determining factor in awarding this credit.
  5. Roof Geometry – This credit is given to homes with a hip shape roof classification. There are certain criteria that need to be considered when determining if your roof geometry qualifies for the hip shape discount. Your inspector will determine which calculations need to be performed at the time of inspection. In general, your roof needs to be hip shape with no other roof types exceeding 10% of the roof perimeter.
  6. Secondary Water Resistance (SWR) – This credit is not common. Documentation supporting this feature is normally provided by the home owner to the inspector in the form of a permit and/or roofing contract. This documentation must clearly indicate that a Peel-N-Stick™ or other self-adhering polymer modified-bitumin roofing underlayment has been applied directly to the sheathing. Photographs during construction are also acceptable. The burden of proof normally lies with the homeowner, as the inspector cannot visually confirm its presence without removing a portion of the roof covering.
  7. Opening Protection – This credit is awarded to homes protected with rated storm panels (shutters) or products. The opening protection credit has too many variables to determine if credit is awarded, but in general, all glazed (glass) openings, including “glass block,” need to be protected with rated products to receive a credit.

We are Certified Wind Mitigation Specialists
Ready to help you get the credits you deserve!