You can save money with the Wind Mitigation Report.
Florida law Statute 627.0629 requires insurance companies to offer homeowners unprecedented savings on their home insurance premiums. In order to qualify homeowners must receive a State Certified home Wind Mitigation Inspection. Wind mitigation discounts are justified because stronger, more wind-resistive houses incur lower windstorm losses. Lower windstorm losses represent reduced costs to insurance companies that are then passed on to the consumer.
What is a Wind Mitigation Inspection?
Wind mitigation inspections are in place to evaluate a home’s construction and assess its potential resistance to forces brought by hurricanes and other categories of windstorms. The inspection verifies type of roof, roof-to-wall connections (clips, straps, toe nail, single or double wraps, etc.), braced gable ends, secondary water barriers, reinforced wall construction and openings (shutters, impact resistant windows and doors; including garage) protection.
Incentives for Wind Mitigation
In Florida, homeowners can benefit from reduced insurance premiums. Following Hurricane Andrew, Florida passed a law requiring insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from wind. In order to qualify for this discount, homes must undergo a certified home wind inspection. However, many Floridians and newcomers to Florida do not know of this law.
Those with windstorm insurance can avoid a costly deductible. Deductibles for homes in hurricane-prone areas can exceed $20,000, meaning that mild to moderate wind damage might not be covered by insurance at all. If proper wind mitigation techniques have been used, these expenses can be avoided altogether.
Wind mitigation helps protect the home from damage. Even if a home is insured, it is always costly when a house is damaged, both for the homeowner and the insurer. Repairs can take months, especially during material shortages that follow massive destruction to entire communities, as was the case after Hurricane Katrina struck Louisiana.
Lenders in Florida require homeowners to carry windstorm insurance in order to be approved for a mortgage. Insurers may not provide windstorm insurance to homes that are vulnerable to wind damage.
Checklist for Wind Mitigation Techniques:
These commonly fail during windstorms due to:
- inadequate door-track strength and mounting systems and flimsy metal panels.
The following features can protect a garage door from wind damage:
- no windows;
- the tracks for the door that have six to nine mounting brackets, or continuous mounting;
- track brackets that are securely attached to the wall; and
- horizontal and/or vertical reinforcement on all panels.
Glass doors and windows should be replaced with impact-resistant glass. They should be structurally attached to the building in order to prevent the entire window from popping out of its frame. Sliding glass doors are especially vulnerable to flying debris due to their large expanse. Once an opening is created during a windstorm, the pressure within the house can rise high enough to cause the roof to fail in areas of low pressure.
There are many kinds of roof covering materials, and some resist wind damage better than others. The most common roof covering materials in Florida are composition shingles and tiles. A key factor in roof covering performance is the method of attachment of the roof covering material to the roof deck. Nails, not staples, should be used to fasten these materials.
“Roof shape” refers to the geometry of the roof, rather than the type of roof covering. The end-walls of gable roofs extend vertically to the sloping roofline. These gable end-walls, if not properly built or braced, have been known to fail outward due to the negative suctions on the wall. Additionally, field testing has shown that hip roofs receive up to 40% less pressure from wind than gable roofs.
Roof deck attachment:
According to insurance claim data, a house becomes a major loss once the roof deck fails, even partially. The most common roof deck types are plywood and OSB. The most important feature of the roof deck by far is the attachment to the framing compared to the deck’s thickness.
The following building techniques can help prevent wind damage:
- roof coverings using shingles that meet the 2001 Florida Building Code requirements;
- roof decks that have been installed with large nails and close spacing;
- hurricane clips/straps that hold the roof structure to the walls;
- protection of windows and glass doors with impact-resistant glazing or other protection systems.
This connection is a critical safeguard that keeps the roof attached to the building and acts to transfer the uplift loads into the vertical walls. This connection is crucial to the performance of the building due to the large negative pressures acting on the roof. Proper installation is essential to connector performance.
Secondary water resistance:
This is a layer of protection that shields the home in the event that the roof covering fails. It will reduce leakage if the shingles are blown off. A secondary water barrier is relatively rare in homes. It is usually only found in very modern custom homes. The two most common types are:
- self-adhering modified bitumen underlayment, which is applied to the exterior of all roof sheathing joints priinstallation of the roof covering system;
- foam seal, which is sprayed onto the underside of the decking.
Only apply for the approved online appointments. The property must be accessible at the time scheduled. This promotion is applicable only for the following services: Full Single Family Home Inspection (less than 3500 Sq. Ft.), 4 Point Inspection, Wind Mitigation Report, Single Family Home Roofing Inspection, Single Family Condo/apartment inspection. The Report will be emailed on the same day of the inspection