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What Is A Wind Mitigation Inspection?
Wind mitigation is the process of adding features to your home that help withstand or increase resistance to high winds caused by a major storm or hurricane.
Why Do Florida Homeowners Need It?
According to the Florida Division of Emergency Management, 15% - 70% of home insurance premiums in Florida can be attributed to wind-damage risk. While there is an upfront cost involved, outfitting your home with wind mitigation features can result in significant long-term savings.
In addition to saving you money, mitigating your home against severe weather can also protect your family in the event of a major storm. Installing hurricane shutters on your windows or hurricane straps on your roof reduces the risk of flying debris penetrating your home and putting your family in danger.
How is a Wind Inspections Conducted?
Generally, a wind mitigation inspection is needed to determine which credits apply to a home. During a wind mitigation inspection, a certified inspector looks for key features and add-ons that reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm
What Are The Primary Factors For The Insurance Discount?
The primary factors in wind mitigation discounts are the wind-resistant features of the property. These features include concrete block construction, gable end bracing, a hip roof, the presence of a single or double roof straps, the type of roof covering, impact resistant glass, reinforced garage doors, window shutters, the presence of a secondary water resistance barrier, property opening protection and property topography. Using the wind mitigation certification, the insurance company will be able to calculate the amount of discount and refund.
Here Are Some Helpful Wind Mitigation Techniques
Seal your roof deck, or the layer in between the primary structure and the insulating layer of your roof, to prevent water intrusion that may otherwise occur if roof shingles blow away in extreme wind or from flying debris. This also provides an extra layer of insulation, making your home more energy efficient.
Roof to Foundation Anchoring
Reinforce your home’s walls to the roof and foundation to establish a continuous load path. This enables the outer structure of your home to resist strong winds.
Window and Door Coverings
There are several options available to help protect windows and other openings from the impact of strong wind and flying debris. Popular options include shatterproof windows and storm shutters. Hurricane-rated doors are recommended, especially for garage doors with large openings. Additional bracing can also be installed on existing garage doors.
Wind Mitigation check points