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Document Your Home's Wind-Resistant Features
A Florida wind mitigation inspection documents construction features that may reduce wind damage during a hurricane. Many insurance companies offer premium discounts for homes with qualifying wind-resistant features.
Beach House Home Inspections, LLC performs wind mitigation inspections using the current Florida Office of Insurance Regulation Uniform Mitigation Verification Inspection Form (OIR-B1-1802).
Our inspectors evaluate the features your insurance company uses to determine potential windstorm credits and insurance discounts.
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is a limited, non-invasive inspection that documents hurricane-resistant construction features.
The inspection does not determine whether your home passes or fails. Instead, it verifies the presence of specific construction methods and protective systems recognized by Florida insurance carriers.
How long is a wind mitigation Valid?
The Florida Uniform Mitigation Verification Inspection Form is generally valid for up to five years, provided no material changes have been made to the home.
Changing carriers, replacing a roof, installing new windows, or making other structural changes may require an updated inspection.
What Should Homeowners Have Available?
To help us complete the inspection, homeowners should provide any available documentation, including:
- Roofing permits
- Roofing contracts
- Window permits
- Manufacturer documentation
- Hurricane shutter documentation
- Product approvals
- Garage door documentation
Documentation can be extremely helpful when verifying roof replacements, impact-resistant windows, hurricane shutters, and secondary water resistance.
What Does a Wind Mitigation Inspection Evaluate?
Building Code
The inspection documents the applicable building code used during construction.
Wind Design Criteria
The inspection considers the applicable wind design criteria for the property's location. Wind-related hazard and design information may be reviewed using the ASCE Hazard Tool.
Roof Covering
The inspector documents the roof covering type and verifies available documentation, including permit application dates and product approvals.
Roof Shape
The inspection documents the roof shape, which can affect how a structure responds to high-wind conditions.
Roof-to-Wall Connections
The inspection documents the connection between the roof structure and the exterior walls, an important component of the home's resistance to wind forces.
Roof Deck Attachment
The inspection documents how the roof deck is attached to the roof framing.
Secondary Water Resistance
The inspection documents whether a qualifying secondary water resistance feature is present beneath the roof covering.
Opening Protection
The inspection evaluates applicable protection for windows, exterior doors, skylights, garage doors, and other openings. Qualifying opening protection may be considered by the insurance carrier when determining available wind mitigation credits.
Important: A wind mitigation inspection documents qualifying features; it does not guarantee an insurance discount. Any available credit or discount is determined by the homeowner's insurance carrier.
Before scheduling a four-point or wind mitigation inspection, we recommend contacting your insurance company to confirm exactly which inspection(s) they require.
If your insurance company requires both a Four-Point and Wind Mitigation Inspection, ask about having them completed at the same time.
Beach House Home Inspections, LLC offers a substantial discount when both inspections are completed during the same appointment, helping you avoid paying for two separate inspection visits.
Your insurance company can confirm which inspection(s) are required for your specific policy.