A wind mitigation inspection is a type of home inspection. The purpose of a wind mitigation 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.
Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, type of construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.
A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida premium discounts for certain favorable wind mitigation features are mandated by State law and can total up to 45% of the original policy’s premium.
