Following Hurricane Andrew, Florida citizens were shocked and upset over skyrocketing insurance premiums and deductibles. In response to this, the Florida legislature passed a law requiring insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from windstorms. In order to qualify for this discount, homes must undergo a certified wind mitigation inspection. As easy as this is however, many Floridians do not know of this law and unlike some home inspections, (a 4-point inspection for example), this one is not mandated by your insurer or lender.
A wind mitigation inspection report will document for your insurance company if your home has implemented certain building techniques that can limit damage caused by intense wind. Specific factors looked at include your roof and home openings, such as doors and windows. As state certified home inspectors, our inspection report will examine and document these key features:
- Roof Shape
- Roof Bracing of Gable End
- Roof Deck Attachment
- Roof Covering
- Roof to wall connections
- Secondary water resistance
- Doors (Entry, Garage and other)
- Protection of Openings (windows and other openings)
There are a few cost effective measures you can take to safeguard your home and reduce your hurricane wind premium. For example, securing or reinforcing your roof with hurricane clips or wraps as well as the foundation-to-wall connections, and protecting your windows and other openings are the biggest ones. To qualify for the opening protection credit, windows and doors must be protected wind resistant glass or shutters. This also includes a hurricane resistant garage door. While we don’t have to worry as much in the Tallahassee area as those on the coast do, protecting your home against high winds will only help to increase the value of your home.
What if I have a new roof?
Who can issue a wind mitigation inspection report in Florida?
A authorized inspector must hold an active license as one of the following:
- Home inspector licensed under Section 468.8314, Florida Statutes, and who has completed both the statutory number of hours of hurricane mitigation training approved by the Construction Industry Licensing Board and a proficiency exam
- Building code inspector certified under Section 468.607, Florida Statutes
- General, building or residential contractor licensed under Section 489.111, Florida Statutes
- Professional engineer licensed under Section 471.015, Florida Statutes
- Professional architect licensed under Section 481.213, Florida Statutes
- Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete the Florida Office of Insurance Regulation Uniform Mitigation Verification Inspection Form (OIR-B1-1802) required by Florida law