A wind mitigation credit is a relatively new invention. However, they can help you ensure that your home will be able to withstand storms and high winds. wind-mitigation inspection can also save you money on your insurance.
Wind Mitigation Inspecting: Helping Customers Stay Safe and Save on Insurance
Insurance companies almost went bankrupt after a series of hurricanes. They were reimbursing home owners for damages. The ensuing insurance scams and construction frauds exacerbated the problem. passed legislation to protect insurers against having to replace roofs that were outdated or poorly maintained.
It’s impossible to stop a storm, but it is possible to prepare your house for one. This is why wind mitigation is rewarded. What better way to encourage wind mitigation than to offer discounts on homeowners’ insurance?
This is a list of general things we look at during a wind mitigation home inspection. It can be an independent inspection or it can be derived from , a complete home inspection.
1: The Building Code
First, note the of the house and its roof. It is important to check if the house and roof are up-to-date with Florida’s stricter building codes.
NOTE : All items that we flag as red on the inspection report will be added to your “To Do” list. After you have hired a licensed contractor or roofer to correct them, you can submit our report along with proof of the corrections to your insurance agent.
2: Installing the Roof Covering
Each roof material is unique and has pros and cons. This includes its ability to resist high winds and rain. How well your roof will withstand wind depends on the type of shingles and how they are maintained. Metal roofing is usually considered to be the least susceptible to wind. You won’t likely save a lot of money, but you should still consider it.
3: The Roof Deck Attachment
Roof-deck attachment is the way the roof deck sheathing attaches to the trusses. The length and spacing between the nails are taken into consideration. Wind mitigation credits are only given for the weakest type of attachment. If your roof deck attachments are old, you will not be able to save much.
4: The Roof to Wall Attachment
This step will determine whether the roof is fastened to the wall using toe nails or clips, or with single wraps or double wraps. Toe nails have the lowest strength, while double wraps have the highest.
5: Roof Geometry
The slope and shape of a roof have a significant impact on its ability to resist high winds. The right roof geometry can save homeowners a lot of money on their insurance.
Homes with “hip roofs” ones that slope down on all four sides do best during major storm events.
6: Secondary Water Resistant
If your roof becomes damaged, a secondary water-resistant barrier will provide an extra layer of protection. The building code added these secondary layers in 2002. If you haven’t received the proper paperwork for your roof replacement, and it has been a while since that time, it is worth having a roof inspection.
In the past, it was common to replace an old roof with a new one. Even though your roof may seem “new enough”, it might not have the waterproofing that insurance companies require.
7: Opening the Protection
It’s now time to make sure that all openings are protected against wind and rain (windows or doors, cellars entrances etc.). There should be some protection from wind and rain. It’s another case where you have to do it all. For partial coverage, you won’t receive any credit.
Many people save money. Wind mitigation reports are valid up to 5 years so even a small saving will cover the cost of inspection.
8: Verify proper tie-downs
It’s important that your tie-downs are in good condition if you live in a mobile or manufactured home. You should schedule a tie down inspection instead of a wind mitigation one. This is important to keep your home and its occupants safe.
Schedule your Wind Mitigation inspection
A Wind Mitigation Inspection in Louisiana can be one of the best ways to prepare your home for storm season. Contact us today at morrell inspection services to schedule an inspection or learn more about wind-mitigation inspections.
We will confirm the date of your inspection within 72 hours after you contact us. Our final inspection report is delivered within 24 hours.