A wind mitigation inspection, is a type of home inspection common in the coastal areas of the SouthEastern United States. The purpose of a wind mitigation inspection is to determine the given structure's protection in the event of strong winds, such as those present in a hurricane.
Windstorm inspections look for 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.
A homeowner with windstorm insurance can often submit the results of a wind mitigation 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% off the original Homeowners policy's premium.
In Florida, a wind mitigation inspection is performed by a licensed home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all inspections must have photos showing each feature listed on the wind mitigation form.
Home Inspectors look for specific details within a home in the attic and around its exterior to determine if the home has the appropriate features to protect against high winds.
If a homeowner has installed Hurricane shutters, Hurricane Impact Windows and Has a newer roof with Hurricane Straps, it is in their best interest to have those features documented and accounted for in order to receive proper quotation from the homeowners insurance company.
Good question. A Realtor or Real Estate agents goal is to sell a property for profit or commission in their case. That's the nature of the business and they do perform a lot of efforts and tactics they have learned to accomplish the transaction.
A Real Estate agent will do just about anything in their power to assure a deal gets closed. That statement right there is what makes home buyers or property buyers skeptical when a Realtor says "here, call Nelson and schedule a home inspection in the next day or so, he's the Best Home Inspector in Miami!" Albeit it possibly true, some buyers see red flags in this situation.
"Is Nelson, the Realtors go to Home Inspector going to work with his best interest for me, the Home Buyer? Or is Nelson going to overlook any possible issues that would make me back out of this contract?"
Home Inspection companies and Home Inspectors in Miami, FL, or just about anywhere else in the USA, need to be licensed and certified in order to conduct business. So they do have standards in which they must adhere to.
Like any smart consumer these days, we mostly do our research online. You will find stories of home buyers finding issues with their home within a few months of closing. It is possible to have a natural issue that was not visible even to the Home Inspector at the time of Inspection. It is also possible that yes, the homeowner encountered the friendly Blind Inspector who chose to over-look some issues and not report them so their friend the Realtor can get their commission and assuring to get the next Inspection job as well.
So what's the correct answer: Should I Use my Realtors Home Inspector? Go with your gut! Research the Home Inspector. Research the Home Inspection Business. If you trust your Realtor, then you should be ok with their Home Inspector.