What We Check For
1.) Roof Covering : Roof coverings such as asphalt/fiberglass shingles, concrete/clay tiles, metal panels, other types of roof covering, which meet the current Florida Building Code standards or a reinforced concrete roof deck will qualify for wind mitigation discounts.
2.) Roof Deck Attachment : The use of specific sized nails, with specific spacing between the nails which comply with the requirements of the current Florida Building
Code qualify for wind mitigation discounts.
3.) Roof To Wall Connections : These connections are accomplished using one of three different connection types
4.) Roof Shape : A HIP roof which is shaped like a pyramid, is the most wind resistant roof shape, and qualifies for a wind mitigation discount.
5.) All Exterior Opening Protections: The openings in your home consist of the entry doors, garage doors, windows, vents and skylights.
Nail Spacing Measured With
Stud Finder
The inspector will take a stud finder and place it on top of the truss. Every time it beeps that means their is a nail present in the truss, The inspector will mark it with a sharpie.
Can Lower Your Premiums
In addition to protecting your home, the most popular reason for getting a wind mitigation inspection is to save money on your homeowners insurance.
Legally, your carrier must provide you with insurance discounts for a “passing grade.” The more wind-resistant features your roof has, the deeper your discount.
Below is a list of of examples of discounts received for having certain features in your home.
Discount's:
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If the roof is a "Hip Shaped Roof"
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If "Single" or "Double Wraps" are used
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If "Shutters" are installed
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If "Impact Rated doors" are used (for garage as well)
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If the roof was "Nailed Properly" with 8d or 6d nails
Nothing's:
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If the roof is a "Flat" or "Gable" style roof
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If "Clips were used or "Toe Nails"
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If windows & doors are NOT "Impact Rated"
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If the roof was NOT "Nailed Properly"
Wind Mitigation Inspection
A full wind mitigation inspection valid up to 5 years in length A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.
130$
Wind Mitigation Inspection/4 Point Inspection
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
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A full wind mitigation inspection valid up to 5 years in length A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.
200$
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Why does my insurance carrier want a 4-point inspection report?Florida’s record-level winds and storms these past 20 years have given homeowners’ insurance carriers a run for their money. The recent passing of SB 76 is part of a significant re-regulation in support of the insurance companies. Customers must show proof of a well-maintained roof and other home features to qualify for insurance and obtain the best rates possible.
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Are inspections “pass or fail?” What does the report include?Yes, it's possible to "fail" a 4-point inspection, though it's more accurate to say that an inspection may reveal issues that prevent an insurance company from providing coverage. Common reasons for an inspection to raise concerns include issues with the roof, electrical wiring, plumbing, or HVAC system. If these issues are not addressed, it can lead to denial of insurance.
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Can’t I skip the inspection to get a better deal on my new home?We never recommend skipping a home inspection before purchasing a new home. We know it’s tempting, especially in today’s real estate market. However, skipping a home inspection may mean spending tens of thousands of dollars more than you would have if it turns out your home needs a new roof, HVAC system or has other expensive repair and replacement needs.