HomeSpector

Serving Vero Beach, Sebastian, Ft Pierce, Port St. Lucie, Stuart, Jensen Beach, and Surrounding Areas

Wind Mitigation

 

      WIND MITIGATION INSPECTION

Are You Spending to Much on Insurance Premiums?

Do Your Rates Go Higher & Higher Each Year?

A wind mitigation inspection can drastically reduce your windstorm portion of your homeowners insurance premiums. During a wind mitigation inspection, a certified inspector reports on seven key features that decrease the damage your home may sustain during a hurricane or strong windstorm. These features can equate to a savings of 50% or more on your windstorm policy premiums, which is substantial over the five year life of the Uniform Mitigation Verification Inspection Form (OIR 1802).

               SPEND A LITTLE - SAVE A LOT!

Have a Wind Mitigation Inspection performed today and start saving. We offer same day inspections and electronic reports which are sent directly to your insurance agent.

 

                         $85.00

                   (772) 539-2909

 

                   ---- WARNING ----

Do not hire an unqualified inspector for your wind mitigation inspection--- You will end up losing discounts and paying for the inspection twice.

Many contractors and unqualified inspectors have saturated the wind mitigation market looking to make a quick buck at your expense. This has led to insurance underwriters re-inspecting hundreds of thousands of these reports and overturning the credits that were issued by frivolous and fraudulent reports. The reports are often erroneous and/or do not have the proper documentation attached for underwriters to accept and issue credits.

Don't let this happen to you!

We have performed over 2,000 wind mitigation inspections, and our reports accurately reflect & document the features that your home has which will equate into discounts for you. Our reports are accepted and processed the first time.

Done Once -- Done Right

 

Inspected Areas - Potential Discounts

There are 7 areas that are inspected during a Wind Mitigation Inspection. The following is a summary of what is required to receive the discount. We have attempted to briefly explain each area, but for a more complete understanding contact our office.

1.) Building Code - The form ask that the inspector report whether the home was built in compliance with 2001 Florida Building Code (FBC). If your home has a building permit application date of 3/01/2002 or later, you will receive this discount. 

2.) Roof Covering - Essentially, if the roof was put on in accordance with 2001 FBC and/or has a building permit application date of 3/02/2002 or later, the credit will apply.

3.) Roof Deck Attachment - The roof deck attachment refers to how the roof deck is fastened to the trusses. In most cases, the roof deck is either plywood or OSB board, and is fastened with nails or staples to the trusses. The credit is dependent on nail size and spacing in this scenario with 8d nails (6" on center in field & edge) being the best case scenario. If the roof deck is structural concrete (most high rises), then a credit is also awarded.

4.) Roof to Wall Attachment - This credit is given based on what the inspector reports for the attachment of the trusses to the wall. The number of nails holding the strap/clip to the truss is often the determining factor in awarding this credit. In the case of a structural concrete roof deck, a credit is awarded.

5.) Roof Geometry - This credit is given to homes with a hip shape roof classification. There are certain criteria that need to be considered when determining if your roof geometry qualifies for the hip shape discount. Your inspector will determine which calculations need to be performed at the time of inspection. In general, your roof needs to be hip shape with no other roof types exceeding 10% of the roof perimeter.

6.) Secondary Water Resistance (SWR) - This credit is not common. Documentation supporting this feature is normally provided by the home owner to the inspector in the form of a permit and/or roofing contract. This documentation must clearly indicates that a Peel-N-Stick or other self-adhering polymer modified-bitumin roofing underlayment has been applied directly to the sheathing. Photographs during construction are also acceptable. The burden of proof normally lies with the homeowner, as the inspector cannot visually confirm its presence without removing a portion of the roof covering.

7.) Opening Protection - This credit is awarded to homes protected with rated storm panels or products. The opening protection credit has too many variables to discuss details here, but in general, all glazed openings need to be protected with rated products to receive a credit. Contact us to discuss this in further detail.   

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