Q. What is a Wind Mitigation inspection and should I get one?
A. A Wind Mitigation inspection must be performed by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector. The form used as of August 2014 is OIR-B1-1802 and photos must accompany the report for it to be valid.
Wind Mitigation credits were mandated by the Florida Legislature several years ago, and they earn premium discounts for construction methods within your roof that resist damage by wind. There are several categories of credits, and within the several categories there are several levels of discounts. The age of the home and roof will be examined and inspectors will also be noting and taking photos of the roof deck attachment, roof to wall connection, roof shape and the existence of a secondary water resistance barrier.
The cost of a Wind Mitigation Inspection varies by vendor, but it is generally inexpensive. Do your research on inspection companies. You want to make sure the inspection is done properly. If you need a referral we work closely with and trust a few local inspectors so just ask!
The only way to know exactly how much you can save is by having the inspection done. The inspection cannot hurt you or cause your premium to go up. It can only cause the premium to stay the same or go down, sometimes by several hundreds of dollars!