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Wind Mitigation Inspections
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What exactly is a Wind Mitigation Inspection?

A Wind Mitigation Inspection is an inspection to determine which features are present in the home that are eligible for discounts on your home insurance.  The insurance regualtors have decided that certain things help enough providing wind resistance that the insurance companies will have to give you a discount on your wind premium. 

What are these features?

Roof Coverings meeting the requirements of the 2001 (or newer) Florida Building Code.
Roof coverings meeting the Florida Building Code are required to be resistant to higher winds.  Verifying that the roof covering meets the Florida Building Code can only be done by proving that the roof was permitted and inspected.

Roof Deck attachment.
How is the roof decking held down to the trusses or rafters?  To meet the requirements, the plywood on the roof must be held in place with 8 D nails spaced no more than 6 inches on center (or the roof has dimensional lumber roof decking with at least 2 nails per board).

Roof to Wall Connections.
How are the trusses or rafters held down to the walls?  To qualify, each rafter or truss must have metal straps or clips that are located no more than 1/2" away from the rafter or truss and the strap or clip must be attached with at least 3 nails.

Roof Shape.
A hip roof will qualify for a discount.  The roof can have not have any "non-hip" feature that is more than 10% of the perimeter of the entire roof.

Secondary Water Resistance (SWR).
Does the roof have a barrier that will prevent the entrance of water if the roof covering is blown off?  This can only be met by either applying a "peel and stick" material over every joint in the roof decking or covering the entire roof with a peel and stick material.  Upgraded underlayments can be very beneficial but do not meet the requirements under the Wind Mitigation program.

Opening Protection.
Does the home have hurricane shutters over every glazed opening?  The shutters must be approved by either the Florida Building Code or by Miami Dade County.  Many older shutters do not meet these requirements.

NOTE: There is a provision that allows plywood to meet the requirements for this discount but the plywood must be at least 7/16" thick and span no more than 8 feet.  In addition, the anchors that hold the plywood must be permanently installed and spaced no more than 16 inches on center to qualify.