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Wind Mitigation Inspection

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Acceptable for insurance requirements

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InterNACHI® Certified Wind Mitigation Inspectors

Wind mitigation inspection on a home
Home Inspectors » Popular Add-Ons » Wind Mitigation Inspection
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Wind mitigation is a crucial assessment when it comes to protecting a home. The inspection focuses on how well your home will withstand the forces of a hurricane or storm. As a homeowner, you can earn credits towards discounts on your homeowner’s insurance. More qualifying factors mean bigger discounts. Give our team a call today at 850-586-1934 for more information on our storm and wind mitigation inspections.

Contact our team today for a wind mitigation inspection.

Pricing

Standard pricing:

  • Standalone Wind Mitigation Inspection $125
  • Combined with a General Home Inspection $50
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FAQ

A wind mitigation inspection evaluates how well a home is protected against strong winds, especially those from hurricanes. It assesses structural features like roof shape, attachment methods, and the strength of windows and doors. The purpose is to see how well a home can withstand high winds, which can lead to insurance discounts for homeowners.

By identifying wind-resistant features, you may qualify for significant discounts on your homeowner’s insurance. Florida law mandates that insurance companies provide discounts for homes with features that reduce wind damage risk, so the inspection can lead to substantial savings.

Standalone wind mitigation inspections are $125. If combined with a full general home inspection, the add-on price is $50. 

Inspectors look at factors like the age and shape of the roof, the type of roof deck attachment, roof-to-wall connection methods, the presence of a secondary water barrier, the impact resistance of windows and doors, and any opening protection devices like hurricane shutters.

Savings depend on your home’s wind-resistant features, with potential discounts ranging from 10% to 40% on windstorm insurance premiums. Homes with newer roofs and storm-resistant upgrades, like impact windows, generally qualify for higher discounts. For specific information, it’s best to speak directly with your insurance company, as they can provide details tailored to your policy and home features.

Typically, the inspection takes about 30 minutes to an hour, depending on the size of the property and the complexity of its features.

There is no pass or fail with this inspection. Even if your home doesn’t qualify for discounts now, the inspection will help you understand which improvements can increase your home’s wind resistance and potentially qualify you for future insurance discounts.

It’s generally recommended to get a wind mitigation inspection whenever you replace your roof or make significant upgrades to wind-resistant features, like impact windows or hurricane shutters. Otherwise, homeowners usually get an inspection every 5 years.

No, the inspection must be conducted by a licensed professional, such as a general contractor, building inspector, engineer, or architect, to qualify for insurance discounts. A licensed inspector ensures that all documentation and assessments meet Florida’s requirements.

After the inspection, you'll receive a detailed report outlining your home’s wind-resistant features. You can submit this report directly to your insurance agent to apply for any eligible discounts. To make the process easier, if you provide us with your agent's name and email, we’re happy to send the report to them on your behalf and confirm its receipt.

Qualified Inspectors

Our inspectors are InterNACHI® certified and have years of experience doing wind mitigation inspections. Both Richard and James hold dozens of certifications and accreditations. Peace of Mind Inspection Services is an InterNACHI® Certified Wind Mitigation Inspector.

richard hood
Richard
james parsons
James
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Do Wind Mitigation Inspections Guarantee Discounts?

While there’s no “right or wrong” in a wind mitigation inspection, homes that meet more of the seven criteria are eligible for a greater amount of credit.  Our team avoids giving specific numbers for potential discounts, as they can vary depending on your insurance provider and other factors outside of our control.

Factors in a Wind Mitigation Inspection

There are seven categories an inspector looks at when determining credit for an insurance discount:

Building Code Compliance

If your home was built after 2001 in Florida (or after 1994 in Miami), you may qualify for credits. Homes built before these years typically don’t meet the newer building codes.

Roof-to-Wall Attachment

Examining how the roof trusses are secured to the frame of your home. We look for strong attachments, like hurricane clips, as part of the inspection.

Roof Geometry

Not all roof shapes are created equal when it comes to qualifying for credits. The "hip" roof offers the most protection and is the only shape eligible for wind mitigation credits.

Opening Protection

Homes in high-risk areas (like the Gulf Coast) are required to have impact-resistant windows or shutters. Each type of protection (glazed or non-glazed windows, garage doors, etc.) is evaluated, with different corresponding credit levels.

  • A or B Rating – Offers best protection and is typically found in newer coastal construction. Designed for high-velocity hurricane zones. This must pass a 2x4 cannon test.
  • C Rating – Plywood panels must meet a certain thickness requirement.
  • D Rating – Basic protection, often with no identifying sticker.
  • X Rating – No protection installed.

Roof Covering

If your roof was installed after 1994 in Miami, or after 2002 elsewhere in Florida, it may qualify. Homes in Miami fall within the High-Velocity Hurricane Wind Zone (HVHZ) and must meet stricter standards.

Roof Deck Attachment

This looks at how securely plywood decking is attached to trusses. Nail size, nail spacing, and plywood thickness are all factors that are evaluated. The more secure the attachment, the more credits you may receive.

Secondary Water Resistance (SWR)

We look for a secondary water barrier or peel-and-stick material (almost a band-aid-like material). This adds another layer of protection between the shingles and underlayment/felt paper. As of late 2021, this has become mandatory in Florida.

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