What is a wind mitigation inspection?

By December 2, 2019June 4th, 2020Home Insurance

Wind Mitigation inspections are a Florida state standard form that tells home insurance underwriters basically how well your home will stand up to a hurricane. This inspection is required by the state so insurance companies do not withhold discounts on home insurance policies to homeowners who have newer houses or specific updates to their home. Waypoint Property Inspection is based in Tampa, FL and completes wind mitigations in the surrounding areas.

What questions does the Florida wind mitigation ask?

The wind mitigation report asks seven questions. They are:

  1. The age of the home. – This is to determine if the home permitting was applied for after March 1st, 2002, as Florida Building Code was updated at that time.
  2. The age of the roof. – This is to determine if the roof was permitted after March 1st, 2002.
  3. Roof decking nail size and pattern. – This is to determine the size of the nail used to hold your home’s plywood down against the truss system. The highest available discount is an 8d (2.5 inch) nail spaced every 6 inches. Typically, if your roof is installed after 2007, you will receive this discount.
  4. Roof to Wall Attachment. – This is where your exterior wall meets your roof line. On average, homes have a piece of hardware, known as a clip, that is nailed to your exterior wall and is also nailed to your truss system. Every truss that meets the exterior wall should be clipped. Some older homes just have the trusses nailed down to the walls.
  5. Roof Geometry. – How your roof is shaped overall. It is better for a home overall if wind pressures can easily be released over the roof system rather than creating more drag/resistance.
  6. Secondary Water Resistance. – What type of underlayment does your roof have? This can be seen between plywood connections or roof penetrations in the attic. If it is a “peel and stick” or self adhering underlayment, this qualifies for a discount. Most newer roofs have an SWR.
  7. Opening Protection. – This is the rarest discount that is received and is the most difficult. Every glazed (window) opening must be covered by an impact rated shutter that is structurally attached to the home (or be an impact rated window) to receive a discount named “A3”. Every glazed and solid opening (doors and garage doors) must be covered by an impact rated shutter (or be impact rated themselves) to receive the discount known as “A1”.

Our home inspection company, based in Tampa, completes this wind mitigation inspection process:

  1. The inspector will walk the perimeter of your home to examine all openings, as well as evaluate the roof shape.
  2. The inspector will look into attic spaces to inspect the roof to wall connection points, look for a secondary water barrier, and the roof decking nail size/pattern.
  3. At the end of the inspection process, our inspectors will formulate the report based on their findings/pictures and city permitting. The typical inspection time is about 30 minutes.

If you are interested in learning more about the wind mitigation here is a sample wind mitigation form: Sample Wind Mitigation 09-12-2019. You may also contact our office to learn more information.

We receive our wind mitigation training from the Florida Association of Building Inspectors.

Aaron Shishilla

Author Aaron Shishilla

Aaron Shishilla is the youngest registered professional inspector in Florida. Coming from a family-owned home inspection company and now the marketing manager at Waypoint.

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