Wind Mitigation Inspection
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Did you know the windstorm portion of your homeowner’s insurance premium can make up 15% to 70% of the total cost? A wind mitigation inspection can significantly reduce that amount—sometimes by thousands of dollars—depending on your home’s construction and its ability to withstand wind damage.
The more wind-resistant features your home has, the less likely it is to suffer costly damage during a storm. Insurance companies reward these features with premium discounts—sometimes up to 30% off your windstorm premium.
Best of all, these credits often more than pay for the cost of the inspection within the first year of savings.
Common wind-resistant features include:

• Impact-resistant windows or shutters
• Reinforced roof-to-wall connections
• Secondary water resistance barrier
• Hip roof design
• Roof deck attachment upgrades

Please note: Homes do not automatically qualify for wind mitigation discounts—a qualified inspection is required. Once completed, your wind mitigation report is typically valid for up to 5 years (check with your insurance carrier for specific requirements).

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What is a Wind Mitigation Inspection and Where Can I Get One?
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A Wind Mitigation Inspection should be performed by a State of Florida Licensed Home Inspector, Licensed Building Contractor, or Certified Architect. At Coastal Inspection Pros, we are fully qualified to conduct this inspection and help you take advantage of valuable insurance discounts.
During the inspection, we assess several key wind-resistive features of your home, including:

• Roof Covering:
• Are shingles or other materials up to current Florida Building Code standards?
• Roof Deck Attachment:
• Has the decking been installed with larger nails or screws, and at closer spacing for greater strength?
• Roof-to-Wall Connections:
• Are there hurricane clips, straps, or other reinforcements that secure the roof structure to the supporting walls?
• Opening Protection:
• Are windows, glass doors, and even attic vents protected with impact-resistant glazing, shutters, or other approved methods?
• Are all openings protected—including entry doors and garage doors?
• Garage Door Rating:
• Is the garage door wind-rated to withstand storm-force winds?
• Secondary Water Resistance Barrier:
• Is there a layer beneath the roof covering that helps prevent leaks if shingles are damaged or blown off?

It’s Not Pass or Fail
Wind mitigation is not an all-or-nothing evaluation. Each feature that enhances your home’s wind resistance may qualify for individual discounts on your windstorm insurance premium. The more qualifying features your home has, the greater your potential savings.

What You'll ReceiveCoastal Inspection Pros will provide:

• A completed Florida OIR-B1-1802 Wind Mitigation form
  
• Photographic documentation of all inspected features
  
• A report you can submit to your insurance agent
  

Be sure to keep your original wind mitigation documents with your policy records—they are typically valid for up to 5 years, depending on your insurer.