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Wind Mitigation Inspection
Homeowners and home buyers can receive substantial discounts on their insurance premiums for having certain wind-mitigating features in place on their home.
Is a Wind Mitigation Inspection Required in Florida?
Wind mitigation inspections are not required. It is completely up to the homeowner or homebuyer whether they want to have the inspection performed. Most of our clients choose to have the inspection for the potential yearly savings.
How Long Does a Wind Mitigation Inspection Take?
Wind mitigation inspections are much shorter in length than a comprehensive home inspection, and usually take an hour to complete. The report is usually delivered later that day.
What is inspected during a Wind Mitigation Inspection?
Wind Mitigation Inspection looks for the key features listed in the Uniform Mitigation Verification Inspection Form OIR-B1-1802 and generates a report based on our findings, which you can then submit to your insurance provider.
Will I be penalized for not having certain features?
No, you will not. You will be credited for the features that you have in place, and not be penalized for those you don’t.
Do I need hurricane shutters to qualify?
No, there are other features that can also qualify you for discounts.
How Long is a Wind Mitigation Inspection Good For?
Wind mitigation inspections are valid for up to five years from the date of inspection, provided no material changes have been made to the building structure.
The key wind mitigation categories in Florida are:
Roof Coverings: Outright will determine when the roof was installed and if it meets building codes.
Roof Deck Attachment: Outright will determine what type of roof decking is used and how the decking is attached to the structure, i.e. if it’s nailed or stapled down. If nails are used, the nail length and spacing between each nail will also be noted.
Roof to Wall Attachment: Outright will determine how the roof trusses are attached to the walls. Are they toe-nailed, clips, single wraps, double wraps, etc.? The more secure your roof the better the savings!
Roof Geometry: Outright will determine the shape of your roof. A hip roof resembles that of a pyramid, and definitely qualifies for a discount.
Secondary Water Resistance: SWR (also called Sealed Roof Deck) Self-adhering polymer modified-bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed-on insulation) applied as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss.
Opening Protection: Outright will determine if shutters or protection devices from wind-born debris at doors and windows are in place. We will also check the rating of the devices, if they are present.