Wind Inspection and Mitigation in Florida

In Florida, wind mitigation inspections are assessments conducted on residential properties to determine how well the structure can withstand wind damage, particularly from hurricanes or strong storms. These inspections are crucial because Florida is prone to severe weather events, and homes need to be resilient against high winds to reduce the risk of damage and lower insurance premiums.

During a wind mitigation inspection, a qualified inspector evaluates various features of the property that contribute to its ability to withstand wind forces. These features may include:

1. Roof covering: The type and condition of the roof covering material, such as shingles or tiles, are assessed.
2. Roof geometry: The shape and design of the roof can affect its resistance to wind. Hip roofs, for example, are generally more wind-resistant than gable roofs.
3. Roof-to-wall connections: The method used to attach the roof to the walls of the structure is examined. Secure connections, such as hurricane straps or clips, can significantly improve the home’s wind resistance.
4. Roof deck attachment: The material and method used to attach the roof decking to the roof trusses or rafters are evaluated.
5. Roof shape and design: Certain roof shapes, such as gable or hip roofs, can impact how wind flows over and around the structure.
6. Opening protection: The presence of impact-resistant windows, shutters, or other protective measures for doors and windows is considered.

Once the inspection is completed, the homeowner receives a wind mitigation inspection report detailing the findings and any recommended improvements. This report can then be submitted to insurance companies to potentially qualify for discounts on windstorm insurance premiums.

To obtain wind mitigation insurance in Florida, follow these steps:

1. Schedule a wind mitigation inspection: Contact a licensed and certified wind mitigation inspector to conduct an inspection of your property.
2. Obtain the inspection report: After the inspection, the inspector will provide you with a detailed report outlining the findings and any recommended improvements.
3. Contact your insurance company: Provide the wind mitigation inspection report to your insurance company and inquire about potential discounts on your windstorm insurance premiums.
4. Submit the necessary paperwork: Your insurance company may require you to fill out additional paperwork or provide documentation to apply the wind mitigation discounts to your policy.
5. Review your policy: Once the discounts have been applied, review your insurance policy to ensure that the changes have been made and that you are receiving the appropriate coverage.

By completing a wind mitigation inspection and obtaining wind mitigation insurance, homeowners in Florida can better protect their properties against wind damage and potentially save money on insurance premiums in the long run.