Having wind mitigation insurance is extremely important, especially in states like Florida, where tropical storms and hurricanes are an annual threat to homes and businesses. Getting a wind mitigation inspection, also refereed to as a windstorm insurance inspection, is the first step in the process. A reliable wind mitigation inspector will look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shuttersand opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of February 1, 2012, all inspections must have photographs showing each feature listed on the wind mitigation form.
During a wind mitigation inspection, inspectors will collect the following information:
– 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 if the roof was installed to any certain building code
– The roof deck attachment
– Roof to wall connection
– Roof shape
– Existence of a SWR
– The opening protection of the doors and windows
Getting a wind mitigation inspection can substantially reduce your windstorm insurance rates. According to Florida Statute 627.0629, all insurance companies are required to offer Florida homeowners “discounts, credits, or other rate differentials…” for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims.
Save money on your wind insurance and have peace of mind when the next severe weather hits your area. Get a wind mitigation inspection today from the experts at Lowman Brothers Construction.
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