How does a wind mitigation inspection work?

By Marian Johns | | Aug 27, 2018

Florida requires insurers in the state to offer credits for wind mitigation.   File photo

A wind mitigation inspection might sound intimidating. But in areas like Florida, that should not stop homeowners from getting one to help protect their home and potentially save money on home insurance. 

Wind mitigation includes certain property construction features that make a structure better able to withstand damage as a result of strong winds. Materials such as the roof, windows and walls can be strengthened. 

Having a wind inspection mitigation, or what is sometimes called a windstorm mitigation inspection, on your home can both help protect against wind damage and help save quite a bit on your homeowners insurance. 

So what exactly does a wind mitigation inspection involve? Director of insurance product management at Kin Insurance Kevin Turner explained. 

"An inspector comes to your house and takes a look at the home's roof covering, roof-to-deck attachment, roof-to-wall connection, secondary water resistance between roof layers, the shape of the roof and windows and doors," Turner said. 

The shape of your roof will help determine how well it might withstand strong winds. 

Should you decide to get a wind mitigation inspection, Turner suggests looking for a licensed, authorized inspector who has experience and to always be sure and read the customer reviews as well. 

Since Florida requires insurers in the state to offer credits for wind mitigation, those credits can help save on home insurance, according to Turner. 

"After your wind mitigation inspection, you'll receive a standardized report that you provide to your home insurer," Turner said. "They will let you know how the information in the report lowers your premium."

The suggestions made by the inspector can help sustain your home during a storm, and the improvements will add value to your home, according to Turner. 

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