How a Wind Mitigation Inspection Could Save You Big Money

How a Wind Mitigation Inspection Could Save You Big Money

Wind mitigation refers to the installation of certain features in your home that can withstand or resist severe wind, such as a hurricane or major storm.

These features will not only protect you but also lower your home insurance premium.

Wind Mitigation Features:

Roof Covering

Discounts will be greater for roofs that are more up-to-date and secure.

Which type of roof do you have? shingles, tiles, etc. Some are more resistant to wind damage than others. What was the cover? Staples are not the best option.

Roof Geometry

What is your roof’s geometry? Gable roofs are vertical and tend to be more downward-oriented. Gable roofs can only withstand wind pressure if the wind is strong enough to lift them up. High pressure winds can be withstand by hip roofs, which are the best option. Flat roofs can also withstand high winds, but they are more susceptible to leakage.

Roof Deck Attachment

Insurance companies consider a home a major loss if it is damaged by falling roof decking. These things can help you earn credits on your premium

  • * Protection systems for windows and doors that are impact resistant or have protection features
  • * Methods that provide more support for the roof structure. i.e. clips/straps
  • * Roof deck was installed using nails with close spacing instead of staples
  • * Roof coverings that meet code

Types of Wall Construction

Roof-to-wall connections are crucial for the performance of the structure as well as the resistance to high wind pressure uplift. A steel reinforced concrete block home may offer a greater discount than plastic sliding frames and plywood.

Types of connections, sorted from weakest to most powerful

  • * Toe nails
  • * Clips
  • * Single Wraps
  • * Double Wraps

Water Resistance (Secondary water barrier)

Water intrusion can happen if shingles are damaged by high winds or other debris. Sealing your roof deck (or the layer between your primary structure and the insulation layer of your roof) is essential. Although it is unlikely that you already have this type of barrier, it can still be a benefit to your premium.