What is Wind Mitigation Inspection?
Wind Mitigation Inspection verifies the appropriateness of the structure construction in the event of a windstorm or hurricane and is a valuable service that might reduce your windstorm insurance premiums. Wind Mitigation looks for features reducing windstorm damage during a high wind event. wind mitigation.
627.711 F.S. establishes that a wind mitigation verification inspection form must be used by all insurers when submitted by policy holders for the purpose of factoring discounts for wind insurance.
Also, under 627.711 F.S. after the Windstorm Mitigation Inspection, the insurance company shall clearly notify homeowners the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction / technique demonstrated to reduce the amount of loss in a windstorm can be or have been installed or implemented.
Wind Mitigation is performed by a Professional Engineer or Inspector.
What are the risks in Florida?
- The hurricane season begins on June 1 and finished on November 30.
- Floridians are at risk for exposure to high winds for five of twelve months of every year.
- Sometimes, Florida can be at risk of a hurricane or tropical storm outside of the hurricane season.
- Winds and water intrusion are the primary damages from hurricanes.
- Through gable ends, soffit vents and poorly sealed windows and doors, water, as rain directed by varying wind directions, enters homes.
- Mildew can develop within days once rain penetrates homes. In the same manner like water, damage can be caused by wind by entering the home through poorly sealed openings.
- Wind damages homes by increasing pressure and causing uplift forces on the roof.
- Windstorm construction features protect your home from catastrophic damage by strengthening your home ability to withstand the uplift, shear and lateral forces associated with a hurricane to the exterior shell of your building.
- The features enhance the vulnerable components of your home protective shell or envelope by fortifying your roof, exterior walls, windows and doors so they will not breach or fail.
- If this envelope is breached, rain and debris can enter your home causing considerable damage to its interior and exert pressure on your walls and roof can lead to catastrophic wind damage to your property.
What does the Wind Mitigation Techniques look for?
Wind Mitigation Techniques:
- Building Codes (code existing when the property was built and compliance with hight velocity hurricane zone).
- Roof covering (type, Florida Building Code or Miami Dade Product Approval, year of installation, permit number, etc.).
- Roof deck attachment - Roof to wall connections (roof deck truss/rafter spacing, roof decking type and thickness, nails/screws size and spacing, etc.).
- Roof to wall attachment (type, amount and location of nails, etc.).
- Roof geometry / roof shape (gable roof, hip roof, flat roof).
- Secondary Water Resistance or Barrier.
- Doors and Windows - Opening protection for glazed and non-glazed openings (garage doors, exterior doors, windows with impact resistance coverings or products listed as wind borne debris devices protecting against cyclic pressure and missile impact: shutters, impact glass).
What are the Florida laws for Mitigation Inspection?
- The State of Florida enforces insurance companies to offer reduced insurance premium for homes with hurricane resistant features.
- As per Florida Statutes, insurance companies need to offer discounts or credits for construction techniques that can reduce losses due to wind damage.
- These discounts became effective in 2003 and the Office of Insurance Regulation (OIR) created the official Inspection Report Form OIR-B1-1802 to be completed by the home inspectors.
- Doing this Inspection is a must for homeowners because hurricanes are a real danger.
- This type of Inspection can be performed for all single family homes, townhouses, condos and commercial buildings.
- Homeowner's and Condo Associations also qualify for credits.
- Homeowners discounts for windstorm insurance are available for building features that reduce wind damage.
- Discounts count because buildings with stronger resistant features are homes with lower windstorm losses and lower losses represent reduced losses for the insurer that benefit the customers.
- Over 85% of the existing homes qualify, due to this Inspection, for homeowners insurance discounts because they have one or more of the resistive construction features.
- Homes designed after 1994 in Dade or Broward County or properties built after 2002 in the rest of the State usually qualify for significant credits because were built with many resistive construction standards.
Please call to schedule an inspection.
What is our service area for Mitigation Verification Inspection?
Windstorm Mitigation Inspection Hialeah, Doral, Homestead, FL, Fort Lauderdale by the Sea, Beach, Doral, Coral Gables, Homestead, Kendall West, Kendale Lakes, The Hammocks, Doral, Miramar, Pembroke Pines, Weston, Sunny Isles, Hallandale, Hollywood, Davie, Deerfield Pompano, Dania Beach, Tamarac, Margate, Sunrise, Plantation, Palmetto, Cutler Bay, Pinecrest, Aventura, Shores, Surfside, Sweetwater, Opa-Locka, Westchester, Bal Harbour, Bay Harbor Islands, Indian Creek Village, Springs, Shores, Medley, Key Biscayne Park, El Portal, West Oakland Park, Southwest Ranches, Hillsboro, Lauderhill, Parkland, Cooper City, Virginia Gardens, Calusa Club, Allapattah, Coconut Grove, Liberty City, Little Havana, Wynwood, Kendale Lakes, Olympia Heights, Little Haiti, Design District, Watson Fisher Island, Carol City, Coral Terrace, Country Club, Fontainebleau, Glenvar Hights, Goulds, Leisure City, Princeton, Richmond West, Tamiami, The Crossings, Westview, Little River, University Park, Boca Raton, West Palm Beach, South Florida City.