A wind mitigation inspection, is a kind of home inspection common in the coastal areas of the Southeastern United States. The purpose of a windstorm inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane.
Wind mitigation inspection looks for construction elements that have been proven to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and glazed opening protection, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier at the roof.
A homeowner with windstorm insurance can often submit the results of a wind mitigation inspection to their insurance company to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation inspection features are mandated by State law and can total 45% of the original policy’s premium. In coastal parts of Texas, the State mandates windstorm inspections prior to certifying a new building.
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector or licensed home inspector. The information gathered and presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1st 2012, all inspections must have photos showing each feature listed on the wind mitigation form.
Inspectors will gather the following information during an inspection, the age of the home to determine what building code was in place at the time of construction, the age of the roof, documentation to prove when the roof was installed and to what building code, the roof deck attachment, roof to wall connection, roof shape, existence of a secondary water resistance barrier and the opening protection of all the doors and windows.