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.
Certified Home Inspector.