What is Wind Mitigation Inspection?
Wind Mitigation verifies the appropriateness of the structure construction in the event of a windstorm or hurricane and is a valuable service that might reduce your windstorm insurance premiums. Wind Mitigation looks for features reducing damages during a high wind event.
These Wind Mitigation Inspections are performed by Professional Engineers.
What are the risks in Florida
- The hurricane season begins on June 1 and finished on November 30.
- Floridians are at risk for exposure to high winds for five of twelve months of every year.
- Sometimes, Florida can be at risk of a hurricane or tropical storm outside of the hurricane season.
- Winds and water intrusion are the primary damages from hurricanes.
- Through gable ends, soffit vents and poorly sealed windows and doors, water, as rain directed by varying wind directions, enters homes.
- Mildew can develop within days once rain penetrates homes. In the same manner like water, damage can be caused by wind by entering the home through poorly sealed openings.
- Wind damages homes by increasing pressure and causing uplift forces on the roof.
What does the Wind Mitigation look for?
Inspector will check:
- Building Codes (code existing when the property was built and compliance with hight velocity hurricane zone).
- Roof covering (type, Florida Building Code or Miami Dade Product Approval, year of installation, permit number, etc.).
- Roof deck attachment - Roof to wall connections (truss/rafter spacing, roof decking type and thickness, nails/screws size and spacing, etc.).
- Roof to wall attachment (type, amount and location of nails, etc.).
- Roof geometry / roof shape (gable roof, hip roof, flat roof).
- Secondary Water Resistance or Barrier.
- Doors and Windows - Opening protection for glazed and non-glazed openings (garage doors, exterior doors, windows with impact resistance coverings or products listed as wind borne debris devices protecting against cyclic pressure and missile impact: shutters, impact glass).
What are the Florida laws?
- The State of Florida enforces insurance companies to offer reduced insurance premium for homes with hurricane resistant features.
- As per Florida Statutes, insurance companies need to offer discounts or credits for construction techniques that can reduce losses due to windstorm damage.
- These Inspector discounts became effective in 2003 and the Office of Insurance Regulation (OIR) created the official Wind Mitigation Report Form OIR-B1-1802 to be completed by the inspectors.
- Doing these Inspections is a must for homeowners because hurricanes are a real danger.
- The Insurance Inspection can be performed for all single family homes, townhouses, condos and commercial buildings.
- Homeowner's and Condo Associations also qualify for credits.
- Homeowners discounts for wind insurance are available for building features that reduce damage during high Winds events.
- Discounts due to this Insurance Inspection count because buildings with stronger resistant features are homes with lower windstorm losses and lower losses represent reduced losses for the insurer that benefit the customers.
- Over 85% of the existing homes qualify, due to this Inspection, for homeowners insurance discounts because they have one or more of the resistive construction features.
- Homes designed after 1994 in Dade or Broward County or properties built after 2002 in the rest of the State usually qualify for significant credits because were built with many resistive construction standards.
This Inspection report is 50% off with any 4 Point Inspection.
What is our service area for Wind Mitigation Services?
Insurance Inspections, Wind Mitigation Insurance Inspection Hialeah Florida, Kendall, Fort Lauderdale, Hallandale, Coral Gables, FL, Hollywood Beach, Doral, Homestead, Miramar, Pembroke Pines, Weston, Davie, Dania Beach. Broward County.