What is a Wind Mitigation Inspection?
The 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 insurance rates. Wind Mitigation Inspections look for building features reducing damages during a high wind event in Miami-Dade and Broward County.
All Home Meters (AHM): Professional Engineers Home Inspectors performing Wind Mitigation Inspections in South Florida.
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.
How the construction features protect your home?
- Windstorm construction features protect your home from catastrophic damage by strengthening your home ability to withstand the uplift, shear and lateral forces of the wind associated with a hurricane to the exterior shell of your home.
- 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 in high winds. If this protective shell or envelope is breached, not only can wind-driven rain and debris enter your home causing considerable damage to its interior, but the high winds can enter your home and exert pressure on your walls and roof leading to catastrophic damage to your property.
Most insurance companies require a windstorm certification of the key construction features to qualify for these discounts: a wind mitigation inspection.
What does the Wind Mitigation Verification look for?
- Building Code (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 to deck attachment (truss/rafter spacing, deck type and thickness, nails/screws size and spacing, etc.).
- Roof to wall attachment (type, amount and location of nails, etc.).
- Roof geometry.
- Secondary Water Resistance or Barrier.
- Protection for glazed and non-glazed openings (impact resistance coverings or products listed as wind borne debris devices protecting against cyclic pressure and missile impact: shutters, impact glass).
Who can sign off the Wind Mitigation Inspection report?
Qualified Inspectors to perform the Inspection:
- Professional Engineer licensed and registered in the State of Florida.
- Registered Architect.
- Building Code inspector.
- General, Building or Residential Contractor.
- Home Inspector.
What are the laws of State of Florida?
- The State of Florida enforces insurance companies to offer reduced 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 in windstorms.
- Discounts due to this type of home inspection became effective in 2003 and the Office of Insurance Regulation (OIR) created the official Form OIR-B1-1802 to be completed by the inspector.
- Doing this type of home inspection is a must for homeowners because hurricanes are a real danger.
- Home Inspection can be performed for all single family homes, townhouses, condos and commercial buildings.
- Homeowner's and Condo Associations also qualify for credits.
- Homeowners insurance discounts are available for building features that reduce damage during high Winds events.
- Mitigation discounts count because buildings with stronger resistant features are homes with lower windstorm losses and lower losses represent reduced losses for the insurance companies that benefit the customers.
- Over 85% of the existing homes qualify for mitigation insurance discounts because they have one or more of the resistive construction features.
- Homes designed after 1994 in Dade or Broward Counties or properties built after 2002 in the rest of the State usually qualify for significant credits because were built with many resistive construction features.
How much does the inspection cost?
Please call our office for our specials: we are providing a 4 Point Inspection 50% off with your Wind Mitigation.
We are specialized in inspections for the insurance industry.
What is our service area?
Wind Mitigation Inspections Kendall, Fort Lauderdale by the Sea, Kendale Lakes, The Hammocks, Sunny Isles, Hallandale, Davie, Deerfield Beach, Pompano Beach, , Dania Beach, Tamarac, Coral Springs, Deerfield Beach, Margate, Sunrise, Plantation, Palmetto Bay, 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, Florida City, Fontainebleau, Glenvar Hights, Goulds, Leisure City, Princeton, Richmond West, Tamiami, The Crossings, Westview, Little River, University Park, Boca Raton, West Palm Beach.