Wind Mitigation

Wind Mitigation Inspection Checklist:

During a Florida wind mitigation inspection, the inspector will look for specific features that can influence your homeowners insurance savings. Here's what they will be checking:

Opening Protection: Glass windows and doors are particularly susceptible to hurricane damage. High winds can cause openings that increase internal pressure, potentially leading to roof failure. The best protection is hurricane impact-resistant glass, which is securely attached to reduce the risk of pop-outs. The inspector will assess your windows and doors to see if they are impact-resistant or if you have qualifying hurricane shutters. Ensure you have documentation, like receipts or permits, for any updates made to your home.

Garage Doors: Garage doors often fail during windstorms due to weak tracks, mounting systems, or metal panels. Features that enhance wind stability include continuous mounting, tracks with at least six brackets, securely mounted track brackets, reinforcement panels, and garage doors without windows. The inspector will evaluate if your garage door qualifies for a wind mitigation discount.

Secondary Water Barrier (SWR): An SWR protects the home from water damage if the roof fails by reducing the amount of water entering the home if shingles are blown off. Insurance companies offer additional discounts for homes with a qualifying self-adhered SWR. This information is typically listed on the roofing contract.

Roof Covering: The type of material covering your roof is crucial. Common materials in Florida include composition shingles and tile. The performance of the roof covering largely depends on how it is attached to the roof deck. The inspector will check for nails used to fasten the material, taking measurements and photos. Roof coverings that meet Florida Building Code (FBC) requirements are preferable.

Roof Deck Attachment: Significant damage can occur if the roof deck fails. The attachment of the roof deck to the framing is more crucial than its thickness for wind resistance. Common materials in Florida are OSB and plywood. Features that improve stability include large nails and close spacing. Additionally, hurricane clips or straps that secure the roof’s structure to the walls are important. The inspector will look for these features and document them.

Roof to Wall Connection: This connection is vital to keep the roof attached to the building, transferring uplift forces into the vertical walls. Proper installation is essential for functionality. The inspector will check for hurricane clips and straps and include a photo of your home's roof-to-wall connection.

By ensuring these features are present, you can potentially save on your homeowners insurance through wind mitigation credits.