What Is A Wind Mitigation Inspection?
If your home is older than 2002, you might be missing out on some huge Home Insurance discounts by not having a wind mitigation inspection.
What is a wind mitigation inspection? A wind mitigation inspection primarily focuses on 3 areas pertaining to the age of the covering of your roof, whether, shingles or tile, how your deck is attached to your trusses and then how your trusses are attached to the walls of your home. Let's discuss each.
First, if your roof has been replaced since 2002, you will qualify for what is called a FBC roofing credit. Roofing materials from this date forward are subject to stricter hurricane building codes which makes them more stable during heavy winds. In addition, insurance carriers recognize that by having a newer roof covering, you will also be less prone to other leaking issues.
Roof Deck Attachment - The second discount on a wind mitigation inspection is called a roof deck attachment credit. This pertains to how your deck is attached to the trusses as well as the thickness of decking material. There are basically 3 categories labeled A, B, and C on your inspection.
"A" indicates less than a 7/16th thickness with 6d nails spaced every 6 inches on the edges and 12 inches in the field. There is no discount if the inspector indicates this is what your roof qualifies for.
"B" indicates at least a 7/16th thickness board that is affixed with 8d nails every 6 inches on the edge and 12 inches in the field. You will see a pretty decent discount of approximately 10%-15% if you have this feature.
"C" indicates that you have at least a 7/16th thickness board that is affixed with an 8d nail every 6 inches on the edge and 6 inches in the field. This discount is about 5% more of a discount than a "B" with most carriers.
Roof to Wall Attachment - This is the third possible discount that you will be eligible when obtaining a wind mitigation inspection. This simply pertains to how your trusses are attached to the walls of your home. The possible options ate toe nails, clips, single wraps, double wraps, and structural anchor bolts.
The majority of the homes that we insure have toe nails, clips, or single wraps. The last two are very uncommon which I could honestly say that I have ever seen someone qualify for those credits. So let's focus on the first three.
Toe nails - if your roof has this, you will not qualify for any discount as this is a very basic form of a tie down. Homes with toe nails are the ones that you see flying off first when the wind picks up. Basically nails are driven at an angel downward into a plate at the top of the wall.
Clips - If you have hurricane clips, you will see a pretty nice discount for having them averaging about 10%-15% off your Homeowners Insurance premiums. With this feature, you have a clip on each side of your truss connected to the wall with at least 3 nails on each side of the clip.
Single Wraps - This will produce a slightly higher credit than clips on your Home Insurance. This feature has a single strap that goes around the truss for a more secure tie down.
As far as the age of your home, these tie down features became very prevalent from 94 on, however, the age of your home really doesn't matter, as I have seen homes 80 years old have these features. It really boils down to the quality of what the builder put in each home.
When we quote Homeowners Insurance for our customers, our team will always make sure you know about this wind mitigation inspection and what kind of discounts you will be looking at by obtaining a wind mitigation inspection.
Hope this was informative!
Tom Johnson - Owner
Southern Insurance Group