Wind Mitigation Inspection

Starting at just $99

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.


Wind Mitigation Inspection

Starting at just $99

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.

Wind Mitigation Inspection

Starting at just $99

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.

Why It's Important 

- Tells The Insurance Company How Well Your Home Will Perform With High Winds & Rain

A wind mitigation inspection looks at seven key areas of your roof to determine its ability to withstand strong winds and water intrusion.

During a storm (yes, even a typical summer thunderstorm), heavy winds can push rain against your home, where, being water, it will find its way into any crack or crevice.


Your roof is the first line of defense against wind and rain which is why wind mitigation inspections focus on your roof.


Can Lower Your Premiums

In addition to protecting your home, the most popular reason for getting a wind mitigation inspection is to save money on your homeowners insurance.


Legally, your carrier must provide you with insurance discounts for a “passing grade.” The more wind-resistant features your roof has, the deeper your discount. 


Below is a list of of examples of discounts received for having certain features in your home.


Discount's:

  • If the roof is a "Hip Shaped Roof"
  • If "Single" or "Double Wraps" are used
  • If "Shutters" are installed 
  • If "Impact Rated doors" are used (for garage as well)
  • If the roof was "Nailed Properly" with 8d or 6d nails

Nothing's:

  • If the roof is a "Flat" or "Gable" style roof
  • If "Clips were used or "Toe Nails"
  • If windows & doors are NOT "Impact Rated"
  • If the roof was NOT "Nailed Properly" 

Can Lower Your Premiums

In addition to protecting your home, the most popular reason for getting a wind mitigation inspection is to save money on your homeowners insurance.


Legally, your carrier must provide you with insurance discounts for a “passing grade.” The more wind-resistant features your roof has, the deeper your discount. 


Below is a list of of examples of discounts received for having certain features in your home.


Discount's:

  • If the roof is a "Hip Shaped Roof"
  • If "Single" or "Double Wraps" are used
  • If "Shutters" are installed 
  • If "Impact Rated doors" are used (for garage as well)
  • If the roof was "Nailed Properly" with 8d or 6d nails

Nothing's:

  • If the roof is a "Flat" or "Gable" style roof
  • If "Clips were used or "Toe Nails"
  • If windows & doors are NOT "Impact Rated"
  • If the roof was NOT "Nailed Properly" 

Can Lower Your Premiums

In addition to protecting your home, the most popular reason for getting a wind mitigation inspection is to save money on your homeowners insurance.


Legally, your carrier must provide you with insurance discounts for a “passing grade.” The more wind-resistant features your roof has, the deeper your discount. 


Below is a list of of examples of discounts received for having certain features in your home.


Discount's:

  • If the roof is a "Hip Shaped Roof"
  • If "Single" or "Double Wraps" are used
  • If "Shutters" are installed 
  • If "Impact Rated doors" are used (for garage as well)
  • If the roof was "Nailed Properly" with 8d or 6d nails

Nothing's:

  • If the roof is a "Flat" or "Gable" style roof
  • If "Clips were used or "Toe Nails"
  • If windows & doors are NOT "Impact Rated"
  • If the roof was NOT "Nailed Properly" 

Can Lower Your Premiums

In addition to protecting your home, the most popular reason for getting a wind mitigation inspection is to save money on your homeowners insurance.


Legally, your carrier must provide you with insurance discounts for a “passing grade.” The more wind-resistant features your roof has, the deeper your discount. 


Below is a list of of examples of discounts received for having certain features in your home.


Discount's:

  • If the roof is a "Hip Shaped Roof"
  • If "Single" or "Double Wraps" are used
  • If "Shutters" are installed 
  • If "Impact Rated doors" are used (for garage as well)
  • If the roof was "Nailed Properly" with 8d or 6d nails

Nothing's:

  • If the roof is a "Flat" or "Gable" style roof
  • If "Clips were used or "Toe Nails"
  • If windows & doors are NOT "Impact Rated"
  • If the roof was NOT "Nailed Properly" 

What We Check For

- Roof Covering : Roof coverings such as asphalt/fiberglass shingles,

concrete/clay tiles, metal panels, other types of roof covering, which

meet the current Florida Building Code standards or a reinforced

concrete roof deck will qualify for wind mitigation discounts.

- Roof Deck Attachment : The use of specific sized nails, with specific spacing between the nails which comply with the requirements of the current Florida Building

Code qualify for wind mitigation discounts. 

- Roof To Wall Connections :  These connections are accomplished using one of three different connection types such as:


1. “Clips” nailed into the side of the rafter/truss and

into the side of the top plate or wall stud;


2. “Single Wraps/Straps” that are

attached to the side and/or

bottom of the top plate and are

nailed to the rafter/truss; or


3. “Double Straps” that are

attached to the side and/or

bottom of the top plate and

are nailed to the rafter/truss

- Roof Shape : A HIP roof which is shaped like a pyramid, is the most wind resistant roof shape, and qualifies for a wind mitigation discount.

- All Exterior Opening Protections: The openings in your home consist of the entry doors, garage doors, windows, vents and skylights.


A full wind mitigation inspection valid up to 5 years in length

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.

- A full wind mitigation inspection valid up to 5 years in length

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.


- A 4 point inspection

A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.


Frequently Asked Questions

What are toe-nails, clips, single wraps, and double wraps?

- Clips: metal connectors that are attached to the roof truss and the wall plate. They are designed to transfer the uplift forces from the roof to the walls during high winds. Clips are typically made of galvanized steel or stainless steel and are available in various sizes, depending on the roof pitch and the spacing of the trusses. The primary advantage of clips is that they are relatively easy to install and are cost-effective.

- Single Wraps: Single wraps are metal straps that are wrapped around the truss and secured to the wall plate with nails or bolts. Single wraps are usually made of galvanized steel or stainless steel and are available in various sizes. They are designed to transfer the uplift forces from the roof to the walls during high winds. The primary advantage of single wraps is that they provide a more robust connection than clips, but they are more expensive and challenging to install.

- Double Wraps: Double wraps are metal straps that are wrapped around the truss twice and secured to the wall plate with nails or bolts. Double wraps are typically made of galvanized steel or stainless steel and are available in various sizes. They are designed to transfer the uplift forces from the roof to the walls during high winds. The primary advantage of double wraps is that they provide the most robust connection and are typically required for homes in high wind zones.
- Toenails: Toenails are nails that are angled at a 45-degree angle and are driven through the roof truss into the wall plate. Toenails are the least effective type of roof-to-wall connector and are typically only used in older homes. They do not provide adequate resistance to uplift forces during high winds and are not recommended for use in new construction. In regards to the wind mitigation form, clips or straps that do not meet the minimum qualifying requirements, are considered “toe-nails.”

How often do I need to get a "Wind Mitigation Inspection" for my home insurance?

Wind mitigation inspections in Florida are valid for five years. Put another way, you pay for the inspection, but it saves you money on your home insurance premium every year for five years.

Are their things I can do to increase my savings?

You can start by adding impact rated windows and doors.  This can increase savings up 1% to 5%. Having a new roof with a "SWR" installed can help you save a ton as well. However, theirs not much else you can do besides these 2 things. Everything else would require a complete new roof structure. It's important to get a wind mitigation before you buy a home because of this. Things like roof shape and roof to wall connections can not be changed easy or cheap.

What do you mean by "8d and "6d Nails"?

This just refers to the size of the nails. For example, an 8d nail is better for discounts because they are 2.5 inch in length vs the 6d nail which is 2 inch. 

What if my home scores bad on this inspection?

Most people don't file for insurance with a wind mitigation anyways. That's why they pay a lot more then someone who has had one done and applied for those discounts. So if the house does score bad, you would probably be spending the same as you would have before having the inspection done. It never increases what you would pay it can only lower or maintain your price for insurance.


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Otowninspections.com

Central Business District Orlando FL 32801

Mon - Sun: 7am - 9pm

(321) 247-9777

contact@otowninspections.com

Otowninspections.com


Mon - Sun: 7am - 9pm

(321) 247-9777

contact@otowninspections.com

Your inspector is always ready to answer your questions.

Our support team is always ready to answer your questions.

Your Inspector is always ready 

to answer your questions.

Proudly Servicing Orlando & 

The Surrounding Area 

Proudly Servicing Orlando &

The Surrounding Area 

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