What Is a Wind Mitigation Inspection?
A wind mitigation inspection documents the wind-resistant features of your home to qualify you for insurance premium discounts. Florida law requires insurance companies to offer discounts for homes with certain protective features — and a wind mitigation report is the proof needed to unlock those savings.
Homeowners can save anywhere from a few hundred to well over a thousand dollars per year on their homeowners insurance premium based on the results of this inspection. The inspection typically pays for itself many times over in the first year alone.
What We Inspect & Document
- Roof covering type & age
- Roof deck attachment method
- Roof-to-wall connection type
- Roof shape (hip, gable, flat, etc.)
- Secondary water resistance barrier
- Opening protection (windows & doors)
- Impact-rated shutters & coverings
- Garage door wind rating
How Much Can You Save?
The savings from a wind mitigation inspection vary based on your home's features and your insurance carrier. Homes with hip roofs, reinforced roof-to-wall connections, and impact-rated windows and doors typically qualify for the largest discounts. Even partial credit for one or two features can offset the cost of the inspection significantly.
Florida's Citizens Insurance and most private carriers accept wind mitigation reports completed by a licensed inspector. Adrian's detailed, photo-documented report is formatted to meet all Florida requirements.
FREQUENTLY ASKED QUESTIONS
Florida law requires wind mitigation inspections to be performed by a licensed home inspector, building contractor, engineer, or architect. Adrian Colon holds Florida License #HI9097 and is fully qualified to perform and certify wind mitigation reports.
Wind mitigation reports are typically valid for 5 years. However, if you make improvements (such as adding impact windows or a new roof), you should get a new inspection to capture additional savings.
Not necessarily. The report documents what your home has, and discounts are applied for each qualifying feature. Many Florida homes qualify for at least some discount, especially if they have a hip roof or have had recent roof work.