Windstorm Mitigation & Roof Certification for Insurance

Wind Mitigation Sample Report

Florida Statute 626.0629 requires insurance companies to offer Florida

homeowners “discounts, credits, or other rate differentials…” for construction

techniques that reduce damage and loss in windstorms. Florida home

insurance companies were required to submit filings by March 2003 that

provide for these wind mitigation discounts. The insurance company filings

began to take effect during 2003.


The purpose of a Wind Mitigation inspection is to identify and document

specific parts of the home and the manner it was constructed which would

harden the home when faced with hurricane force winds. The documentation

of the home inspection enables the homeowner to claim discounts or credits

for which the home already qualifies for.


The discount would be on the wind portion of the insurance premium,

however, they tend to be very substantial and they are annual discounts.

Another benefit of a Wind Storm Mitigation Inspection is that the home

inspection will identify any weak points which can be upgraded, making the

home more sturdy which may qualify the home for additional discounts.

What are we checking for?


Roof Covering: When was the roof installed and does it meet the 2001

Florida Building Code?


Roof Deck Attachments: What type of roof decking is on the home and

how is it attached? Was it stapled or are nails used? Is nails are used, what

are the lengths of the nails and how far apart?


Roof to wall Attachments: Is the roof truss system attached with toe

nailing, hurricane clips; single wrapped strapping or double wrap strapping?


Roof Geometry: Is the roof Hip, Gable, or Flat? A Hip

roof is shaped like a pyramid on all for sides of the home. Gable sections (in linear feet)

that are 10% or more of the perimeter classify the roof as gable. Flat roof  areas

(2/12 pitch or less) that make up 10% or more of the roof square footage

classify the roof as Flat.


Gable End Bracing: If the roof is a Gable style, is the Gable end braches

to 2001 Florida Building Code standard? Any gable end that is more than 48

inches should be braced to qualify for this possible discount.


Wall Construction Type: How is the home constructed? Is it a wood

frame home, was the home built with masonry and if so is it steel reinforced?

What percentage of each construction type was used?


Secondary Water Barrier: Does the home have a secondary water barrier

installed on the roof? Documentation from your roofer or pictures of the

installation is required to qualify for this possible discount.


Opening Protection: Is there wind borne debris protection installed on

the home? If so, what is the rating associated with the protection devises? To

qualify for this potential discount, 100% of all openings need to be covered

with Hurricane rated protection. All items that have been added or upgraded

for wind protection need to have documentation as to when they were

purchased and installed.