An Investment That Pays for Itself
In Florida, state law requires insurance companies to offer reduced rates for homes with certified wind-resistant features. A Wind Mitigation Inspection is a specialized assessment that documents these features, potentially saving you hundreds or even thousands of dollars annually on your homeowner's insurance premium. This inspection is one of the wisest investments a Florida homeowner can make.
What is a Wind Mitigation Inspection?
This inspection is a visual examination of a home's existing construction to determine its ability to withstand strong winds. Our certified inspector will document the key wind-resistance features on the official state form (OIR-B1-1802), which you can then submit to your insurance provider to secure your discounts.
Key Features We Document for Your Savings:
- Roof Covering: We verify the age and permit information of your roof to ensure it meets current building codes.
- Roof Deck Attachment: We identify the nail size and spacing used to attach the roof deck to the trusses, as this is a critical component in preventing roof uplift.
- Roof-to-Wall Attachment: We determine how the roof trusses are secured to the walls of your home, looking for hurricane clips or straps, which provide the strongest protection.
- Roof Geometry: We document the shape of your roof. Hip roofs, which slope down on all four sides, typically qualify for a larger discount than gable roofs.
- Opening Protection: We verify if your windows, doors, garage doors, and skylights are rated for impact resistance or are protected by rated shutters. This is one of the most significant factors for discounts.
- Wall Construction Type: We identify the construction materials of your home's walls (e.g., concrete block, wood frame).
Solutions for HOAs, COAs, and Enterprise Clients
Florida Strong Home Inspections offers efficient and scalable Wind Mitigation services for entire communities, including Homeowner Associations (HOAs) and Condo Owners' Associations (COAs). We also partner with insurance agencies and real estate portfolio managers to handle bulk inspections, ensuring compliance and maximizing potential discounts for their clients.