Wind mitigation utilizes certain building techniques that prevent or at least limit the damage caused by severe storms or hurricanes for homes located in Florida. It focuses on structural and nonstructural ways to protect and strengthen buildings against intense winds and flying debris. Some common features include rated roofing materials, storm shutters, doors, and windows, etc. A wind mitigation inspection documents these features in what's called a "Uniformed Wind Mitigation Verification Inspection Form." This form is used by insurance companies in order to qualify for discounts on your homeowner's insurance.
Here are some of the items we look for and document during a wind mitigation inspection:
Roof permit / roofing material Florida product approval number
Age of home
Roof shape (hip, gable, flat, etc.)
Decking nail attachment spacing
Decking fastener type
Rafter to wall connections (sometimes called hurricane clips)
Secondary Water Resistant underlayment (self-adhesive underlayment)
Hurricane protection/shutters (optional/not a requirement but may receive discounts on you homeowner's insurance if qualified for this credit)
Please note, J. Gregory Home Inspections is not affiliated with any homeowner's insurance companies. We are not involved in making decisions on homeowner's insurance policies, homeowner's insurance rates and/or homeowner's insurance insurability. It is completely up to your insurance company to make any policy decisions. It is the job of J. Gregory Home Inspections to document what is observed at the time of the inspection, only.