What it is
A wind mitigation inspection documents the features of your home that help it resist hurricane winds. Florida insurers use the report to price windstorm coverage and may apply discounts for qualifying features.
What the inspector looks at
Roof covering and its permit date; roof deck attachment (nail size and spacing); roof-to-wall connection (clips, straps or toe-nails); roof shape (hip roofs generally perform better than gable); secondary water barrier; and opening protection such as impact windows, doors and shutters.
Does a new roof help?
A new, permitted roof can improve several items at once: current-code roof covering, stronger deck attachment and a secondary water barrier. The size of any discount depends on your insurer and policy, so ask your agent.
Keep your report current
Many insurers accept reports for a limited number of years, and credits can be lost if the home changes. After a re-roof or window upgrade, order a new inspection.
General information, not legal or insurance advice. Confirm requirements with your insurer and local building department.