Wind Mitigation Inspections in Boca Raton, Pompano Beach, Fort Lauderdale
A wind mitigation inspection, also known as a windstorm mitigation inspection, is a type of insurance inspection common in the coastal areas of the Southeastern United States. The purpose of a wind mitigation inspection is to identify specific construction features of a building or home that would make it more likely to survive a hurricane or tropical storm. Construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier will be documented in the wind mitigation inspection. Homeowner’s with windstorm insurance submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy’s premium.
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802. All wind mitigation inspections must have photos showing each feature listed on the wind mitigation form as documentation and some features require the building permit numbers and dates issued.
Your Inspector will collect the following information during an inspection, the year the home was built to determine what building code was used, the age of the roof, permit documentation to verify the roof was installed to code, the roof deck attachment, roof to wall connection, roof shape, existence of a secondary water resistance and the opening protection of the doors and windows.
Windstorm Mitigation Construction Features
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