A wind mitigation inspection documents the features of your home that help it resist wind damage. In Florida, insurers are required to offer premium discounts for qualifying features, and this inspection is how those features are verified.
What it documents
- Roof covering and its permit or installation date
- Roof deck attachment (how the roof sheathing is fastened)
- Roof-to-wall connections (such as clips or straps)
- Roof geometry (for example hip vs. gable)
- Secondary water resistance
- Opening protection for windows, doors and garage doors
Why it's worth doing
Depending on your home's features and your insurer, a wind mitigation report may meaningfully reduce the wind portion of your premium. Results vary; your agent can tell you how the report applies to your policy.
How to prepare
- Make the attic access clear. The inspector needs to see roof-to-wall connections.
- Gather permits, receipts or product approvals for your roof, windows and shutters.
- Make sure shutters or impact products are accessible for photos.