What is a Wind Mitigation Inspection?
A wind mitigation inspection, also referred to as a windstorm mitigation inspection, windstorm insurance inspection or windstorm inspection, is a specific kind of home inspection common in the coastal areas of the Southeastern United States. The purpose of this inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, storms, and hurricanes. Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.
Why would I need a Wind Mitigation Inspection?
If you are purchasing a new home a wind mitigation inspection may be required. A homeowner with windstorm insurance can submit the results of a windstorm inspection to their insurance agency to obtain discounts on their policy. In Florida, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy’s premium.
Who performs the inspection?
A wind mitigation inspection is performed by a licensed general contractor, building contractor, and building or home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all inspections must have photos showing each feature listed on the wind mitigation form.
Inspectors collect the following information during an inspection:
Age of the home to determine what building code was in place at the time of construction
Age of the roof, documentation to prove if the roof was installed to any certain building code,
Roof deck attachmentRoof to wall connection
Existence of a SWR
Opening protection of the doors and windows
What is a Retrofit?
A retrofit is adding or modifying a component, accessory or system after it has been manufactured.
What are the benefits of a Retrofit?
Sometimes a retrofit is necessary to pass inspection when a home inspection is being done. A retrofit can improve sustainability and provide a more secure structure during the event of a major storm. Homeowners can also see a discount on their wind insurance policy as well as added value when it’s time to sell the home.