WIND MITIGATION INSPECTION

FLORIDA WIND MITIGATION INSPECTIONS FOR HOMEOWNERS INSURANCE

A Wind Mitigation inspection documents specific construction features of a home that may help reduce damage during high-wind events. Florida homeowners insurance companies use this information when determining whether a property qualifies for available wind mitigation credits or discounts.

At Orgova Home Inspections, Wind Mitigation inspections are commonly performed in conjunction with a comprehensive home inspection when insurance documentation is needed during a real estate transaction. Combining the services allows the required information and photographs to be documented while we’re already inspecting the property.

Standalone Wind Mitigation inspections are also available based on scheduling and property needs. Eligibility for insurance credits or discounts is determined by the insurance company based on the documented features of the home and the carrier’s underwriting requirements.

WHAT DOES A FLORIDA WIND MITIGATION INSPECTION INCLUDE?

A Wind Mitigation inspection documents specific construction features identified on the applicable Florida insurance inspection form. The inspection includes visual evaluation, measurements, documentation, and photographs as required to report the observable wind mitigation features of the home.

Roof Covering: Roof covering type, available permit or installation information when applicable, and documentation required by the inspection form.

Roof Shape: The geometry of the roof is evaluated and documented based on the requirements of the applicable inspection form.

Roof Deck Attachment: Accessible roof deck attachment methods are evaluated and documented where they can be observed or otherwise appropriately verified.

Roof-to-Wall Connections: Accessible connections between the roof structure and supporting walls are evaluated and documented based on the connection type observed.

Secondary Water Resistance: The presence of a qualifying secondary water resistance feature is documented when it can be appropriately verified.

Opening Protection: Windows, exterior doors, garage doors, skylights, and other applicable openings are evaluated and documented based on available information and the requirements of the inspection form.

The completed inspection documents the features observed or verified at the property. Your insurance company determines whether those features qualify for available wind mitigation credits or discounts.

WIND MITIGATION INSPECTIONS & INSURANCE CREDITS

A Wind Mitigation inspection provides your insurance company with documented information about specific construction features that may qualify for available wind mitigation credits or discounts. The inspection findings are recorded on the applicable Florida insurance inspection form and supported by the required photographs and documentation.

The amount of any available credit or discount depends on the features documented at the property, the insurance company’s underwriting guidelines, and other factors related to the policy. Orgova Home Inspections documents the observable or verifiable features of the home; your insurance company determines which credits or discounts apply.

WIND MITIGATION INSPECTIONS WITH YOUR HOME INSPECTION

When you’re purchasing a home and need a Wind Mitigation inspection for insurance, we can typically complete it during your comprehensive home inspection. This allows the wind mitigation features and required photographs to be documented while we’re already evaluating the property for you as the buyer.

A Wind Mitigation inspection has a specific insurance-related purpose and should not be confused with a comprehensive home inspection. It documents wind mitigation features such as roof geometry, roof deck attachment, roof-to-wall connections, secondary water resistance, and opening protection for insurance purposes, while a comprehensive home inspection evaluates many additional systems and components to help you better understand the overall condition of the property.

While standalone Wind Mitigation inspections are available based on scheduling and property needs, we commonly perform them alongside a comprehensive home inspection when both services are needed.