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Wind Mitigation Insurance Inspections

Businessmen with Umbrellas

Wind Mitigation Insurance Inspections

Wind Mitigation Insurance inspections are inspections that are typically required by any insurance provider here in Southwest Florida. The inspection itself is mandated by the OIR-B1-1802 (Citizens Website-Wind Mitigation Form) standardized form. This Inspection is used by insurance companies to determine a level of risk inherent in insuring homes here in SWFL. They way this inspection is worked is by determining the level of protection the home should offer under high wind conditions. The points that are inspected during this process are:

  1. Building Code: Building Code under which the home was constructed, as this gives insight as to what types of building practices were used during construction.

  2. Roof Covering(s): The type of roof covering material, when it was last re-roofed based on permitting, as the date of last roofing gives ideas as to which building code the roof was re-done under and different materials can withstand wind/pressure/wind borne debris better than others.

  3. Roof Deck Attachment: How well your roof "deck" or sheathing is attached to your roofing structure, as this helps keep the roofing materials on the home and attached allowing water to shed.

  4. Roof To Wall Attachment: How well your roofing structure (attic/truss/rafter) are attached to your exterior load bearing walls, as this can help determine the wind/pressure resistance of the roof lifting during high winds.

  5. Roof Geometry: The overall or predominant shape of the roof itself, as some roof styles/shapes/designs withstand wind loads better than others.

  6. Secondary Water Resistance (SWR): Whether or not a Secondary Water Barrier was installed on the roof deck/sheathing. A Secondary water barrier, commonly referred to as "peel and stick" gives the roof an added layer of protection to water penetration if the roof material were to be damaged or blown off.

  7. Opening Protection: This portion of the inspection looks at all openings into the home, Your glazed (glass/window) openings and non-glazed openings. Windows and doors that are protected with RATED shutters can obviously withstand high winds, pressure and debris more effectively than standard glazing (glass) can. One weakness in opening protection can lead to elevated pressure and increased risk of damage/injury to property or people.

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