What Is Included in a Wind Mitigation Report?

In hurricane-prone areas like Hollywood, Florida, protecting your home from severe weather is a top priority. A wind mitigation report is a crucial document that evaluates the wind-resistant features of your property and helps homeowners qualify for significant insurance savings. But what exactly is included in a wind mitigation report? Let’s dive into the components of this important inspection and how they can benefit you.

Why Is a Wind Mitigation Report Important?

A wind mitigation report is required by most Florida insurance companies to determine your eligibility for discounts. By documenting the structural features of your home that can reduce wind damage, this report:

1. Helps Protect Your Home: Identifies areas of strength and weakness in your home’s structure.
2. Lowers Insurance Costs: Qualifies you for premium discounts based on the wind-resistant features of your home.

What Does a Wind Mitigation Report Include?

A typical wind mitigation report covers the following key elements:

1. Roof Covering

The inspector evaluates the type of roof covering (e.g., shingles, tiles, or metal) and checks whether it meets the wind resistance standards outlined in the Florida Building Code. Documentation of the installation date and compliance is also included.

2. Roof Deck Attachment

This section focuses on how securely the roof decking (the layer beneath the roof covering) is attached to the structure. The inspector will note whether nails, screws, or other fasteners meet the necessary strength and spacing requirements.

3. Roof-to-Wall Connection

Inspectors check how the roof is connected to the walls of the home. Strong connections, like hurricane straps or clips, are documented in this section, as they are critical for withstanding high winds.

4. Roof Geometry

The shape of your roof is a significant factor in wind resistance. The report will indicate whether your roof is a:

• Hip Roof: Offers superior wind resistance due to its sloped design.
• Gable Roof: More prone to wind damage but can be reinforced.
• Flat Roof: Less common but also documented.

5. Secondary Water Resistance

The report includes details about any waterproof barriers installed beneath the roof covering. These barriers protect your home from water intrusion during heavy rain or roof damage.

6. Impact-Resistant Openings

Windows, doors, and garage doors are evaluated for their ability to resist wind-borne debris. The inspector will document whether these features are:

• Made from impact-resistant materials.
• Protected by hurricane shutters or other reinforcements.

7. Exterior Wall Construction

The materials and construction methods of your exterior walls are assessed. Stronger materials, like concrete blocks, are noted for their ability to withstand high winds.

8. Garage Door Reinforcements

Garage doors are a common weak point in windstorms. The report will indicate if your garage doors are reinforced or wind-rated.

9. Photographic Documentation

The report includes photographs of all inspected features. These photos provide visual proof of compliance with wind mitigation standards, which is essential for submitting the report to your insurance provider.

How Is the Wind Mitigation Report Used?

Once the inspection is complete, the inspector compiles the findings into a detailed report. Here’s how it’s used:

1. Submit to Your Insurance Provider: Share the report with your insurance company to qualify for discounts or credits.
2. Identify Areas for Improvement: If your home lacks certain wind-resistant features, the report helps you understand where upgrades can be made.
3. Maintain Peace of Mind: Knowing your home is evaluated and prepared for windstorms ensures confidence during hurricane season.

How Long Is a Wind Mitigation Report Valid?

In Florida, a wind mitigation report is typically valid for five years, provided there are no significant changes to the structure of your home. If you make upgrades, such as installing hurricane shutters or replacing your roof, you may need a new inspection to update the report.

Benefits of a Wind Mitigation Report

A wind mitigation report offers numerous advantages, including:

• Insurance Savings: Discounts can save you hundreds, or even thousands, of dollars annually.
• Home Safety: Ensures your home is prepared to handle severe weather conditions.
• Compliance: Meets Florida insurance requirements for windstorm coverage.

Who Should Get a Wind Mitigation Report?

A wind mitigation report is highly recommended for:

• Homeowners in hurricane-prone areas like Hollywood, FL.
• Buyers purchasing a home in Florida.
• Property owners looking to upgrade their home’s wind resistance.

Why Choose Global Home Inspectors for Your Wind Mitigation Report?

At Global Home Inspectors, we provide thorough and professional wind mitigation inspections in Hollywood, Florida. Our licensed inspectors understand Florida’s unique weather challenges and deliver accurate reports to help you save on insurance while protecting your home.

Schedule Your Wind Mitigation Inspection Today

Ready to protect your home and lower your insurance premiums? Contact Global Home Inspectors to schedule your wind mitigation inspection in Hollywood, FL. With years of experience and a dedication to customer satisfaction, we’re here to ensure your home is safe and storm-ready.