A windstorm inspection, also referred to as a windstorm mitigation inspection, windstorm insurance inspection or wind mitigation inspection, is a kind of home inspection common in the coastal areas of the Southeastern United States. The purpose of a windstorm inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane. Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier. A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy’s premium. In coastal parts of Texas, the State mandates windstorm inspections prior to certifying a new building.
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all inspections must have photos showing each feature listed on the wind mitigation form. Inspectors will collect the following information during an inspection, The age of the home to determine what building code was in place at the time of construction, the age of the roof, documentation to prove if the roof was installed to any certain building code, the roof deck attachment, roof to wall connection, roof shape, existence of a SWR and the opening protection of the doors and windows.
The 4 point inspection is a detailed assessment of the electrical, plumbing, air conditioning and the roof. The inspection is designed to identify the existing condition and assess the remaining life expectancy of the materials. All the main electrical outlets are inspected including the service panel and circuit breakers. Tests are carried out to identify if the system is overloaded from the original design.
Electrical – Checks made on the age, installation, general condition, service loading, recent adaptions
and life expectancy.
Plumbing – Verifies the age, installation, general condition, all connected appliances, leakages
and life expectancy.
Roof – Establishes the age, installation, general condition, type of materials used , overhead
obstructions, signs of damage, signs of vermin entry
Air Conditioning – Documents the age of the unit, installation, general condition, running temperatures,
future service requirements and life expectancy.