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Wind Mitigation Inspection

Wind mitigation inspections have become a must-have requirement for reasonable insurance premiums. The inspection report is completed on a Florida state standard form developed following the 2004 hurricane season that provides a home insurance underwriter information about the wind mitigating features and materials that are present on your home. It is designed to give homeowner insurance discounts to homes meeting specific criteria that protect them from high wind events like hurricanes. These inspections are not only important to have completed when you purchase your home but also when switching insurers, or if the home gets reroofed.  Additionally, the state verification form is valid for up to 5 years provided that no material changes have been made to the structure.

Wind Mitigation Report Criteria

Age of the Home

Was the permit application for the home submitted after March 1st, 2002?

1

Age of the Roof

Was the permit application for the roof submitted after March 1st, 2002?

2

Roof Deck Attachment

Is the roof sheathing attached to the framing with “8d” common nails at six-inch maximum spacing?

3

Roof to Wall Attachment

Are metal connectors like clips, single or double strap wraps, and/or structural anchor bolts present?

4

Roof Geometry

Does the roof have less than 10% of the total system perimeter with either flat or gable features?

5

Secondary Water Resistance

Does the roof have SWR? Also known as a Sealed Roof Deck or Peel and Stick underlayment.

6

Opening Protection

Are all masonry openings protected by a listed “impact rated” protection device?

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