Wind Mitigation Inspections
This weeks blog is about wind mitigation inspections. For some in certain places of the country, you do not have this type of inspection. However in the south, Florida, we do. So I want to share with you about how to save money on your insurance and what is actually performed during the inspection process. We perform these type of inspections in Citrus, Hernando, Sumter, Hillsborough, Polk, Pinellas and Pasco Counties of Florida normally within a day notice. We use the Citizens Insurance Reporting Form. There are others that we use but this is the most popular reporting form.
So lets begin. A wind mitigation or wind-borne inspection is a process where the home inspector will inspect the roof for any shingles that may be loose, separated or torn. Additionally check the ridge vent and valleys for defects. Also the inspector has to determine the roof style for the report. And then the skylights. The sky lights will have a rating on there if its rated for hurricane winds.
Secondly, the inspection process is to check to see if there any shutters that maybe attached to any windows. These type of shutters are metal shutters that cover the window or patio door in case of hurricane winds. These type of shutters have a rating that can be used to determine what the shutter can sustain in case of an object being flown and impacts the shutter. This is not the shutter that attaches to the home next to the window or the wood style that close. While inspecting for any shutters, the inspector additionally inspects the glass. The glass if it has sticker that states, Brovard County or Miami-Dade rated then this is additional discount. This is also if you are going to update the windows get the rating for this, to save money on the home owners insurance. After this, then the inspector checks to see if there is any glass block. Some older style homes will have glass block maybe for crawl spaces, bathrooms or part of the wall that allows light thru in a sun room for example. There are different ratings for glass block but also a great idea to have shutters for these as well.
Thirdly, the inspection process continues if there to check the garage door. The garage door normally has a style of missile bracing on the inside of the door. This is to protect the interior. Not necessary the door. Missile bracing is referred to if a small limb or tree is being blown around. Normal garage doors are thin metal and an object flying around can be a missile and go thru the door.
Then the process continues to the attic. My favorite part on a hot summer afternoon. (no seriously) So in the attic, the inspector will measure the distance and determine what the lenght of the nails are for the sheathing. A good rating is usually 8D and about 2 1/2 inches in depth of the framing member. The inspector will also check to see what type of type downs there are. For example, the trusses or rafters may have wraps, or straps. There maybe clips holding framing members to a main roof structure. Then on a lot of newer homes there are bolts that go from the foundation to the top plate of the wall. And of course inspect the framing members to make sure no cracked or split joists. And to check for any moisture or leaks on the sheathing.
Once this process is complete, the inspector has to check with the local municipality to check for any permits when the roof was either installed or re-roofed. Without a permit or any roof information this could be a deterrent to getting any credits for the roof.
So in closing having a wind mitigation inspection could save approximately 10-40% off your home owners insurance premium. At Emerald Inspection Service we can schedule these within 24 hours if you live in or near the areas of Tampa, Clearwater, Brooksville, Polk City Florida. For more information check out our website link on wind mitigation at https://www.emeraldinspectionservice.com/wind-mitigation.html
Or feel free to call us anytime at 352-322-2700 Thank You.