What is a Wind Mitigation Inspection?
Simply put, it 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
Wind Mitigation form (OIR-B1-1802) is used to document the details of the inspection. 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), the presence of a secondary water barrier , and opening protection for you windows and doors. The current industry standard is according to 2001 Florida Building Code.
The entire process of the wind mitigation inspection takes approximately thirty to fourty five minutes. A large portion of the inspection is done in the attic taking pictures of each component so it is helpful to provide a clear path to access the attic. I 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 me to copy. I can scan your documents so you don’t have to worry about making copies.
I will review the details of the wind mitigation inspection with you in depth. Your report is then emailed to you and your insurance agent in most cases SAME DAY. (within 24 hours)
The Wind Mitigation Inspection Form OIR-B1-1802 Is Made Up Of 7 Components:
1. Applicable Building Code
What building code was used to design and build the structure?
2. Roof Covering
When was the structures roof installed and what building code does it meet?
3. Roof Deck Attachment
What material was used as the Roof Deck Sheathing and how is it attached?
4. Roof to Wall Attachment
How is the roof system secured to the wall structure and what is the weakest connection type?
5. Roof Geometry
What is the shape or shapes of the roof system? Is it Hip, Gable or Flat?
6. Secondary Water Resistance
Does the roof system have a secondary means to protect the dwelling from water intrusion?
7. Opening Protection
What is the weakest form of wind borne debris protection installed on the structure?
IMPORTANT!!! A Wind Mitigation Inspection Form OIR-B1-1802 must be completed by:
- Home inspector licensed under Section 468.8314, Florida Statutes who has completed the statutory number of hours of hurricane mitigation training approved by the Construction Industry Licensing Board and completion of a proficiency exam
- Building code inspector certified under Section 468.607, Florida Statutes.
- General, building or residential contractor licensed under Section 489.111, Florida Statutes.
- Professional engineer licensed under Section 471.015, Florida Statutes.
- Professional architect licensed under Section 481.213, Florida Statutes.