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Wind Mitigation Inspection

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.

You Get The Report Before We Leave The Property

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Watch This Video To See What A Wind Mitigation Inspection Covers

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from doors & window coverings, the way your roof is attached to your home, and how your roof is sealed to prevent water from entering...

Product

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 such as:

3a. “Clips” nailed into the side of the rafter/truss and

into the side of the top plate or wall stud;

 

3b. “Single Wraps/Straps” that are

attached to the side and/or

bottom of the top plate and are

nailed to the rafter/truss; or

 

3c. “Double Straps” that are

attached to the side and/or

bottom of the top plate and

are nailed to the rafter/truss

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.

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Product

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:

  • If the roof is a "Hip Shaped Roof"

  • If "Single" or "Double Wraps" are used

  • If "Shutters" are installed 

  • If "Impact Rated doors" are used (for garage as well)

  • If the roof was "Nailed Properly" with 8d or 6d nails

Nothing's:

  • If the roof is a "Flat" or "Gable" style roof

  • If "Clips were used or "Toe Nails"

  • If windows & doors are NOT "Impact Rated"

  • If the roof was NOT "Nailed Properly" 

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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.

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Wind Mitigation Inspection

Service Name

A 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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$100

Wind Mitigation/4 Point Combo

Service Name

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+

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.

$180

  • What are toe-nails, clips, single wraps, and double wraps?
    - Clips: metal connectors that are attached to the roof truss and the wall plate. They are designed to transfer the uplift forces from the roof to the walls during high winds. Clips are typically made of galvanized steel or stainless steel and are available in various sizes, depending on the roof pitch and the spacing of the trusses. The primary advantage of clips is that they are relatively easy to install and are cost-effective. - Single Wraps: Single wraps are metal straps that are wrapped around the truss and secured to the wall plate with nails or bolts. Single wraps are usually made of galvanized steel or stainless steel and are available in various sizes. They are designed to transfer the uplift forces from the roof to the walls during high winds. The primary advantage of single wraps is that they provide a more robust connection than clips, but they are more expensive and challenging to install. - Double Wraps: Double wraps are metal straps that are wrapped around the truss twice and secured to the wall plate with nails or bolts. Double wraps are typically made of galvanized steel or stainless steel and are available in various sizes. They are designed to transfer the uplift forces from the roof to the walls during high winds. The primary advantage of double wraps is that they provide the most robust connection and are typically required for homes in high wind zones. - Toenails: Toenails are nails that are angled at a 45-degree angle and are driven through the roof truss into the wall plate. Toenails are the least effective type of roof-to-wall connector and are typically only used in older homes. They do not provide adequate resistance to uplift forces during high winds and are not recommended for use in new construction. In regards to the wind mitigation form, clips or straps that do not meet the minimum qualifying requirements, are considered “toe-nails.”
  • How often do I need to get a "Wind Mitigation Inspection" for my home insurance?
    Wind mitigation inspections in Florida are valid for five years. Put another way, you pay for the inspection, but it saves you money on your home insurance premium every year for five years.
  • Are their things I can do to increase my savings?
    You can start by adding impact rated windows and doors. This can increase savings up 1% to 5%. Having a new roof with a "SWR" installed can help you save a ton as well. However, theirs not much else you can do besides these 2 things. Everything else would require a complete new roof structure. It's important to get a wind mitigation before you buy a home because of this. Things like roof shape and roof to wall connections can not be changed easy or cheap.
  • What do you mean by "8d and "6d Nails"?
    This just refers to the size of the nails. For example, an 8d nail is better for discounts because they are 2.5 inch in length vs the 6d nail which is 2 inch.
  • What if my home scores bad on this inspection?
    Most people don't file for insurance with a wind mitigation anyways. That's why they pay a lot more then someone who has had one done and applied for those discounts. So if the house does score bad, you would probably be spending the same as you would have before having the inspection done. It never increases what you would pay it can only lower or maintain your price for insurance.
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