Wind Mitigation Inspection
A Wind Mitigation inspection (also referred to as a Windstorm Inspection or Windstorm Insurance Inspection) is typically required to receive an accurate quote from an insurance company. Wind Mitigation inspections are becoming more commonplace in South Florida as homeowners fortify thier homes and qualify for discounts on the windstorm portion of their Homeowners Policy.
Did you know Premium discounts for certain favorable wind mitigation features are mandated by State law and can total up to 45% of the original policy's premium?
The purpose of a Wind Mitigation Inspection is to document the appropriateness of a given structure's construction in the event of strong winds such as those present in a hurricane.
The Wind Mitigation Inspection documents the following:
- The age of the home, which determines what building code was in place at the time of construction.
- The age of the roof, which determines what building code was in place at the time of construction.
- The roof deck attachment, roof-to-wall connection, roof shape, existence of a Secondary Water Resistance
- Type of hurricane protection (shutters or panels or impact ratings) provided for window and door openings.
In addition, the inspection looks for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, hurricane shutters and other opening protections, the presence of roof-to-wall attachments such as toe nails, clips or hurricane straps and the presence of a secondary water resistance barrier. These features can potentially qualify for discounts on the windstorm portion of your homeowners insurance.
The information above is collected and presented on a Standard Wind Mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. This form can be emailed to you at the end of the inspection.
Combining your Wind Mitigation Inspection with your Pre-Purchase Home Inspection can save you money on inspections as well as reduce the cost of the windstorm portion of your insurance.
Most insurance companies today require a homebuyer to have a Four-Point Inspection performed by a licensed home inspector on a home that is 25 years or older. In many instances, it makes sense to contact your insurance agent before you have a home inspection performed to determine if a Four-Point inspection is required on the property you are considering. This enables the Home Inspector to gather all the pertinent information while we are on site, which avoids a second trip to the home as well as additional cost.
A 4-Point Inspection is a limited-scope evaluation and is intended for insurance purposes only. This type of inspection encompasses the following systems and components:
- Roof – Documents the condition and the age of the roofing system.
- Plumbing – Documents waste and supply line piping material (copper, plastic, etc.), functional flow, as well as the condition of the system including the hot water heater.
- Electrical System – Documents the size of the main electrical service, potentially dangerous equipment or wiring (aluminum, cloth, etc.), as well as any upgrades performed.
- Heating and Air Conditioning – Documents the age and condition of the heating and cooling systems.
Combining a Four-point Insurance Inspection with your Pre-Purchase Home Inspection can save you money on inspections.
Call us at 305-252-8503 or schedule an inspection online.