What is a Wind Mitigation Inspection?
A wind mitigation inspection is a check-up conducted by a licensed professional to examine the safety features of a home, specifically regarding its roof’s ability to withstand major storms and strong winds.
The certified inspector usually gathers information about the areas of your home that are likely to be most affected by hurricanes and high winds. Several features to be examined include:
- Building Code Compliance
- Age of the roof
- Decking attachment and roof covering performance
- Wall construction
- Roof-to-wall attachments
- Secondary water resistance
- Roof geometry
- All openings like windows and doors.
Building Quality for
Our Community Request Service
“The job was completed on schedule, and the work was done in a professional manner”- Richard J.
“Very professional work etiquette.”- Conroy C.
“Was an excellent experience from beginning to end.”- Frank R.
Wind inspection mitigation is not mandatory. Neither insurers nor any state laws will compel you to carry out a wind mitigation inspection. However, several states have enacted laws that require insurance companies to provide premium discounts and credits to their clients. Therefore, you need to conduct a wind mitigation inspection for you to qualify for the insurance premium discount.
What Is the Cost of a Wind Mitigation Inspection?
Depending on where you live, home inspectors usually charge $75-$150 for standard wind mitigation inspections. The costs of your wind mitigation report are mostly recovered once the wind mitigation premium discounts are applied to your home insurance. Usually, it takes 4-6 months for the mitigation discounts to reflect.
How Long Do a Wind Mitigation Report Last?
A wind mitigation report will remain active for five years. After five years have elapsed, you will be required to get a new wind mitigation inspection to keep qualifying for mitigation premium insurance discounts.
Apart from protecting your home against destruction by hurricanes, a mitigation inspection helps to reduce your home insurance premiums. After getting a wind mitigation inspection, you will be able to provide a report to your insurance company and get a maximum discount of up to 88% of your insurance premium.
Wind Mitigation Insurance helps you avoid costly deductibles of up to $20,000 in hurricane-prone regions where moderate and mild wind damages are not covered by insurance.
A wind mitigation inspection report helps you qualify for a mortgage where lenders will require homeowners to present wind mitigation insurance to prove that your home is not vulnerable to wind damage.
Wind mitigation is one of the most convenient ways to save funds on your insurance discounts. Mitigation policies are formulated to limit the impact of wind damage. Several incentives have been developed to encourage homeowners to implement mitigation improvements, and licensed home inspectors can recommend the necessary enhancement for your home.