How long is a wind mitigation inspection valid?

Most wind mitigation inspections remain valid for up to five years as long as the structure has not changed.

What features qualify for wind mitigation discounts?

Common qualifying features include hip roof shapes, hurricane straps or clips, reinforced roof deck nailing patterns, secondary water resistance, and impact rated openings or shutters.

Is a wind mitigation inspection required?

Wind mitigation inspections are not required by law, but insurance companies use them to apply hurricane mitigation discounts.

Wind Mitigation Inspection Hernando County

What is a Wind Mitigation Inspection?

A wind mitigation inspection evaluates how well your home is built to withstand hurricane-force winds. The findings are documented on the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802) and submitted to your insurance company.

Homes with qualifying features such as hurricane straps, impact windows, or hip roofs may receive significant insurance discounts.

What We Document During a Wind Mitigation Inspection

Florida wind mitigation inspections focus on specific construction features that reduce wind damage.

Roof Covering

We verify the roof covering type and installation age. Newer roofs built to modern Florida building codes typically qualify for better insurance credits.

Roof Geometry

Roof geometry affects how wind travels over a home. Hip roofs typically perform better in hurricane conditions and often receive larger insurance discounts than gable roofs.

Roof Deck Attachment

The roof deck attachment refers to how the plywood roof deck is fastened to the roof framing. Nail size and spacing are documented to determine resistance to wind uplift.

Roof deck nail spacing measured during wind mitigation inspection

Roof-to-Wall Connections

This inspection verifies how the roof structure connects to the exterior walls. Common connections include hurricane clips, straps, or wraps that secure the roof to the home’s structure.

Hurricane strap roof to wall connection documented during wind mitigation inspection

Secondary Water Resistance (SWR)

Secondary water resistance is an additional moisture barrier installed beneath the roof covering. This extra layer helps prevent water intrusion if roof coverings are damaged during a storm.

Secondary water resistance barrier beneath roof decking

Opening Protection

Impact rated windows, hurricane shutters, and reinforced garage doors can significantly reduce wind damage. Insurance companies require documentation showing that all openings are protected to qualify for full mitigation credits.

Impact rated window and hurricane shutters documented during wind mitigation inspection

Why Homeowners Get Wind Mitigation Inspections

Insurance premium discounts

Verification of hurricane resistant construction

Documentation for insurers

Peace of mind before hurricane season

In many cases the inspection pays for itself in the first year through insurance savings.

Frequently Asked Questions About Wind Mitigation Inspections

How long does the inspection take?

Most wind mitigation inspections take about 30 to 60 minutes depending on attic access and roof documentation.

Is there a pass or fail?

No. A wind mitigation inspection simply documents construction features so your insurance company can apply discounts.

How much can I save?

Homes with strong mitigation features such as hurricane straps and impact windows can receive substantial insurance credits.

Do I need attic access?

Yes. Inspectors typically need attic access to verify roof deck attachment and roof-to-wall connections.

Wind Mitigation Inspection in Hernando County