A wind mitigation inspection documents features that help your home stand up to hurricane winds, such as roof straps, impact windows and roof shape. Florida insurers must offer premium credits for qualifying features, so a report can noticeably reduce the wind portion of your homeowners premium.
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What does a wind mitigation inspector check?
Inspectors look at the roof covering and its age, how the roof deck is attached, how the roof connects to the walls, the roof shape, a secondary water barrier and opening protection such as impact windows or shutters.
The findings go on Florida’s standard uniform mitigation verification form, which insurance companies use to apply credits.
How much can a wind mitigation report save?
Savings depend on your home’s features and the carrier. Hip roofs, roof-to-wall straps and full opening protection tend to earn the largest credits.
Because the wind portion is a large share of a South Florida premium, even a few credits can make a difference.
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How long is a wind mitigation report valid?
Reports are generally accepted for up to five years, as long as nothing major has changed. If you replace your roof or add impact windows, get a new inspection so your credits reflect the upgrades.
Send us your report and we will make sure every credit is applied and compare carriers at the same time.
Frequently Asked Questions
Who can do a wind mitigation inspection?
Licensed professionals such as home inspectors, contractors, engineers and architects can complete the form.
How much does a wind mitigation inspection cost?
It is usually a modest one-time fee, and the savings can repay it within the first policy year.
Do I need a new inspection after a roof replacement?
Yes. A new roof can change several items on the form and may earn new credits.
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Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
