Wind Mitigation Inspections
If you live in Boca Raton, Parkland, coral Springs, or anywhere in Florida really, then you've probably heard of Wind Mitigation Insurance. If you’re a Florida resident. And if you’re not, you might want to reconsider the significant savings a home inspection and Wind Mitigation Inspection may offer, should ther be a hurricane, tropical storm, or another natural occurrence.
Many property owners receive wind mitigation inspection to assess the preparedness of their homes and businesses in resisting the effects of windstorm damage. Even in Florida, wind mitigation inspections are not required by insurance companies or mortgage lenders and it’s completely optional. So why would someone want to order an extra inspection if it isn’t 100% needed? Because it could save you money!
Many property owners receive wind mitigation inspection to assess the preparedness of their homes and businesses in resisting the effects of windstorm damage. Even in Florida, wind mitigation inspections are not required by insurance companies or mortgage lenders and it’s completely optional. So why would someone want to order an extra inspection if it isn’t 100% needed? Because it could save you money!
What We Look For in a Wind Mitigation Inspection
Florida generally looks at 8 key categories:
- Roof Covering: The inspectors want to know when the roof was installed and if it meets building codes. I
- Roof Deck Attachment: The inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure. For instance, if it’s nailed or stapled down.
- Roof to Wall Attachment: The inspector will focus on the roof attachments here: are trusses attached with nails or hurricane clips? Are the wraps single or double?
- Roof Geometry: The inspector will determine the type of roof you have: is your roof hip or not? that actually matters on a wind mitigation inspection
- Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.
- Wall Construction Type: Inspectors will review the construction materials used on your home for framing, reinforcement, and outer fascia, and at what percentages. Steel reinforced concrete block homes may yield a better discount than one with a plywood-only frame and plastic siding.
- Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area.
- Opening Protection: Here, inspectors are looking for shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- if they are hurricane-rated). 100% of all openings need to be covered with Hurricane rated protection to qualify for this discount.
Wind Mitigation Inspections in: Boca Raton, Parkland, Coral Springs, Coconut creek, Deerfield beach, Pompano beach, Delray beach, Boynton beach, Lake worth, Tamarac, Margate, Ft. Lauderdale, West palm beach, Wellington, Greenacres and surrounding areas of Florida