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What is a wind mitigation inspection and why do you need it?

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If you live in an area of the country prone to structural damage from wind storms, you may be asked (or even required) to get a wind mitigation inspection. This inspection, which includes
photographs and documents, is passed along to your insurance company. The inspection, which takes about 30-60 minutes, helps you prepare for hurricane season. It can also save money on home insurance.

What Does a Wind Inspection Cover?

Wind mitigation inspections analyze your home’s existing safety features to determine the likelihood of your home suffering damage during strong wind storms. An inspection may include an evaluation of the following features:
  • Roof-wall ties
  • Doors and windows
  • Roof covering
  • Roof installation
  • Roof deck
  • Garage doors
  • General water resistance
  • Property features such as roof type and age
If any modifications are necessary to improve your home’s resilience, an inspector will let you know. This can include replacing the roof, installing more durable windows, or upgrading your doors. Inspections are usually performed by an engineer, architect, general contractor, home inspector, or building inspector. The inspector can also give you a priority list outlining which features are in the worst condition.

Why Get an Inspection?

Even if wind mitigation inspections aren’t required, it’s a good idea to have one performed anyways if your location is subject to heavy rain and strong winds. A professional inspector can identify ways that wind and rain can enter your home that you might not even be aware of. This includes gaps in the door frames, improperly sealed windows, and vents. Even just one powerful storm can cause significant property damage if your house is not prepared. The resulting damage can be far more costly than what you would spend on getting an inspection and taking preventative steps to
fortify your home’s exterior.

Insurance Benefits

Just as you don’t want to pay more than necessary for insurance, insurance companies don’t like to pay high bills for home repairs. Therefore, insurance companies offer generous rewards for  homeowners who have safer and more resilient homes. Once your insurance company receives your wind inspection report, they’ll tell you which discounts you are eligible for. It’s also important to note that having a newer roof, doors, or windows can make you eligible for additional discounts and credits.

Preparing for a Wind Inspection

There are some steps you can take as the homeowner to prepare your house for inspection. Keep in mind that because the wind mitigation inspection checks all sides of the house and the roof,  you’ll want them to look clean and presentable. If the inspector can’t see an area, or if it is in poor condition, you might not qualify for insurance discounts. Be sure to keep copies of all documents and records pertaining to a wind inspection too, including roofing permits and the dates of any previous wind inspections if applicable.
Even if your state doesn’t mandate wind inspections, it is advantageous to get one. You’ll have peace of mind knowing your home is safer, and you can saving money on insurance costs too. Contact us to learn more about wind inspections and see how your house might stand up in storm.