Wind Mitigation Inspection – What It Includes and How It Works

A wind mitigation inspection evaluates specific construction features that help a home better withstand high winds and hurricane conditions. These features may qualify homeowners for insurance premium discounts and provide buyers with valuable insight into a property’s storm resistance.

Many homeowners are unaware that their property may already qualify for insurance discounts.  A wind mitigation inspection documents protective features such as:

Building Code:  This explains what building codes were in effect in regard to the year the house was built.

Roof Covering:  This explains the roof covering type, year of original roof installation, or replacement and FBC or MDC Product Approval #.

Roof Deck Attachment:  This explains the roof deck (plywood, OSB, wood blanks) thickness, type and size of nail that is used to fasten the roof deck.

Roof to Wall Attachment:  This explains how the trusses are attached to the walls of the house.  (toenails, clips, single or double wraps).

Roof Geometry:  This explains the shape of the roof.

Secondary Water Resistance (SWR):  This explains the type of underlayment used.

Opening Protection:  This explains what type of protection is used at all openings (windows, doors, skylights and automobile doors).

Insurance companies require a certified inspection report to apply these discounts. Without proper documentation, credits are often not applied—even if upgrades exist.

Fast Reports Accepted by Insurance Companies

You’ll receive a clear, easy-to-read report. Wind mitigation reports are commonly accepted by insurance carriers for several years, depending on the provider and any future changes to the home.