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The purpose of a windstorm inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane. If you live in a coastal state, you’ve probably heard of Wind Mitigation Insurance. If you’re a Florida resident, especially – that peninsular state sprawling into the Atlantic and Gulf, flirting with tropical storms and hurricanes every summer and fall – almost assuredly you’re familiar. And if you’re not, you might want to reconsider the significant savings a home inspection may offer, should nature’s fury unleash. Many property owners receive wind mitigation inspections to assess the preparedness of their homes and businesses in resisting the effects of windstorm damage or loss. Interestingly, even in Florida, wind mitigation inspections are not required by insurance companies or mortgage lenders – it’s totally optional, unlike some derivative of the four-point home inspection (which assesses the status of a property’s electrical, HVAC, and plumbing systems plus the roofing) or a more intensive roof condition inspection. So why would someone want to order an extra inspection if it isn’t 100% needed? Because it could save you money! Wind Mitigation Insurance is the only inspection that is almost guaranteed to result in some level of insurance discount on your insurance premium. Florida looks at  key categories, described below:

  • Roof Covering:inspectors want to know when the roof was installed and does if it meets building codes. In Florida, the code standard was updated in 2001.
  • Roof Deck Attachment:inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, like if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
  • Roof to Wall Attachment:the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the better impact on your wallet!
  • Roof Geometry:is your roof hip or not? Nope, the inspector won’t care how cool it is, just how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.

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