A wind mitigation inspection, also known as a windstorm mitigation inspection, is a type of home inspection that evaluates the structural features and protective measures of a property to determine its vulnerability to wind damage during severe weather events such as hurricanes or strong storms. This type of inspection is commonly conducted in regions prone to high wind velocities.

The purpose of a wind mitigation inspection is to assess the effectiveness of a property’s wind-resistant features and identify any measures that can be taken to enhance its resistance to wind-related damage. The inspection is typically performed by a licensed or certified home inspector or insurance inspector.

During a wind mitigation inspection, the inspector will typically examine the following aspects:

1. Roof covering: The inspector assesses the type and condition of the roof covering material, such as asphalt shingles, metal roofing, or tile. They also check for any visible signs of damage, loose or missing shingles, and the overall integrity of the roof.

2. Roof-to-wall connections: This part of the inspection focuses on how the roof is securely attached to the walls of the structure. The inspector checks for the presence of hurricane straps, clips, or other reinforcements that strengthen the connection between the roof structure and the walls.

3. Roof geometry: The shape and design of the roof can affect its wind resistance. The inspector considers factors such as the pitch of the roof and the presence of hip roofs, which are generally more resistant to wind forces compared to gable roofs.

4. Opening protection: The inspector examines the windows, doors, and other openings of the property to determine if they have impact-resistant features such as hurricane shutters, impact-resistant glass, or reinforced doors. These features help prevent wind-driven debris from entering the structure and causing damage.

5. Secondary water resistance: The inspector checks if there are any additional protective measures in place to prevent water intrusion in case the primary roof covering is damaged during a storm. This may include the presence of a secondary water barrier or self-adhering underlayment.

Based on the findings of the wind mitigation inspection, homeowners may be eligible for wind mitigation discounts on their insurance premiums. Insurance companies offer these discounts to incentivize property owners to implement wind-resistant measures that reduce the risk of wind-related damage. The specific discounts and requirements vary by insurance provider and region.

It’s important to note that a wind mitigation inspection focuses specifically on wind-related risks and does not provide a comprehensive evaluation of all aspects of a property. For a thorough assessment of the entire property, a full home inspection is recommended.