WIND MITIGATION

Obtain discounts on your windstorm insurance with a certified wind mitigation.

There are 7 areas that are inspected during a Wind Mitigation Inspection.

The following is a summary of what is required to receive the discount.

We have attempted to briefly explain each area, but for a complete understanding contact our office.

1. Building Code

The form ask that the inspector report whether the home was built in compliance with 2001 Florida Building Code (FBC). If your home has a building permit application date of 3/01/2002 or later, you will receive this discount.

2. Opening Protection

This credit is awarded to homes protected with rated storm panels (shutters) or products. The opening protection credit has too many variables to discuss details here, but in general, all glazed openings need to be protected with rated products to receive a credit. Contact us to discuss this in further detail.

3. Roof to Wall Attachment

This credit is given based on what the inspector reports for the attachment of the trusses to the wall. The number of nails holding the strap/clip to the truss is often the determining factor in awarding this credit. In the case of a structural concrete roof deck, a credit is awarded.

4. Roof Covering

What type of roof covering do you have: shingle, concrete, tile, etc.? Essentially, if the roof was put on in accordance with 2001 FBC and/or has a building permit application date of 3/02/2002 or later, the credit will apply.

5. Roof Deck Attachment

The roof deck attachment refers to how the roof deck is fastened to the trusses. In most cases, the roof deck is either plywood or OSB board, and is fastened with nails or staples to the trusses. The credit is dependent on nail size and spacing in this scenario with 8d nails (6″ on center in field & edge) being the best case scenario. If the roof deck is structural concrete (most high rises), then a credit is also awarded.

6. Roof Deck Attachment

The roof deck attachment refers to how the roof deck is fastened to the trusses. In most cases, the roof deck is either plywood or OSB board, and is fastened with nails or staples to the trusses. The credit is dependent on nail size and spacing in this scenario with 8d nails (6″ on center in field & edge) being the best case scenario. If the roof deck is structural concrete (most high rises), then a credit is also awarded.

7. Roof Geometry

This credit is given to homes with a hip shape roof classification. There are certain criteria that need to be considered when determining if your roof geometry qualifies for the hip shape discount. Your inspector will determine which calculations need to be performed at the time of inspection. In general, your roof needs to be hip shape with no other roof types exceeding 10% of the roof perimeter.

Do you need to get your wind mitigation today? Then…

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