Features of our Wind Mitigation Inspections:
  • Specially Trained "Certified Inspectors" BUYER BEWARE: InterNACHI turns down more than half the inspectors who want to join because they can't fulfill the membership requirements!
  • SAVE Hundreds & sometimes Thousands of Dollars on your Insurance!
  • BUYER BEWARE: We “DO NOT” offer Home Repairs of any kind nor are we tied in with any Home repair companies, we focus only on Wind Mitigation Inspections! This means that you "NEVER" have to wonder if we are telling you that you have a problem in order to get the EXPENSIVE job of repairing your House. We represent you "Exclusively" in order to protect your best interests!
  • "Extensive" & Very Thorough Wind Mitigation Inspections Performed (Interior & Exterior). Reports (our average report is over 60 pages and includes over 180 labeled photographs). No other company offers this extensive of a Wind Mitigation Inspection report!
  • "State of the Art" Home Inspection Reports
Contact us at (772)410-9000 to find out how we can help you.

Other Inspection Services we provide include:
Home Inspections, 4 Point Inspections, Home Warranty Inspections, Chinese Drywall Inspections, Property Condition Inspections, Home Insurance Inspections & Citizen’s Insurance (RCF) Roof Certification Inspections

  • My Promise to You!

    Choosing the right Home Inspector can be difficult. Unlike most professionals, you probably will not get to meet me until after you hire me. Furthermore, different Inspectors have varying qualifications, equipment, experience, reporting methods, and yes, different pricing. One thing for sure is that a Home Inspection requires work, a lot of work. Ultimately a thorough Inspection depends heavily on the individual Inspectors’ own effort. If you honor me by permitting me to Inspect your Home, I guarantee that I will give you my very best effort. This I promise you.

    John Pacella- Inspector/Owner “Welcome Home”
    Home Inspection Services Company

    NACHI Certified Home Inspector – Click Here to View

Wind Mitigation Inspection:

A Wind Mitigation Inspection is a valuable Inspection service that may reduce your Windstorm Insurance. Wind Insurance discounts are available for building features that reduce damage during high Wind events. The Wind Mitigation discounts are justified because stronger, more Wind-resistive structures have lower Windstorm losses, which mean reduced costs to Insurance Companies. Most existing structures have one or more Wind resistive construction features and may qualify for some Wind Mitigation Insurance discounts.

Wind Mitigation Inspections are available for all single family Homes, townHouses and condos. Homeowner and Condo Associations also qualify for Wind Mitigation credits. Call to schedule your Wind Mitigation Inspection.

Insurance companies in Florida are required to recognize submitted Wind Inspections performed by qualified personnel and will provide discounts based on the construction and/or mitigation features of your Home.

A Wind Mitigation Inspection and documented findings may “SAVE” you, the Property owner 5% to 82% on your Wind Insurance Premiums. There are currently 9 qualifying discounts and we will Inspect all 9 areas to help you get the best discount available.

The 9 features that merit a discount include:

  1. Verification of the FL building code that the structure was designed and built to (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit)
  2. Verification and Inspection of the Predominant Roof covering installed (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit)
  3. Inspection of the Roof deck attachment including the size & spacing of nails/screws/adhesives that can certify an uplift of a) 55 psf, b) 103 psf, or c) 182 psf or better (103 psf, 182 psf or stronger will benefit)
  4. Inspection of the Roof to wall connection on EVERY rafter/truss of a) toe nails, b) clips, c) single wraps, d) double wraps, or e) structural connection (anything better than toe nails will benefit)
  5. Determination of the Roof geometry – a) Hip Roof, b) Non-Hip Roof, or c) Flat Roof (a Hip Roof with less than 10% of any other Roof shape and less than 100 sq ft of flat area will benefit).
  6. On a gable Roof, the Inspection of any gable end bracing that meets the 2001 FL building code or stronger will benefit (currently this credit is not being given by many Insurance companies).
  7. Verification of the wall construction type – a) wood frame, b) un-reinforced masonry, c) reinforced masonry, or d) poured concrete (reinforced masonry or poured concrete equaling 70% or more of the wall construction will benefit although each company views this differently).
  8. The Inspection and verification of any Secondary Water Resistance applied to protect the dwelling from water intrusion (currently only a self-adhering polymer modified bitumen “peel and stick” or a foam adhesive barrier applied to every seam on the Roof deck and applied to each side of every rafter or truss will benefit).
  9. Verification and Inspection of Wind borne debris protection on every exterior opening – including the Windows, doors, garage doors, & skylights (Impact Resistant coverings that meet the FL Building Code or Miami-Dade approval will benefit the most. Non Miami-Dade or Non FL Building Code shutters along with plywood or OSB coverings depending on how strong and how it is installed may receive a discount).


A Few Facts About Windstorms and Wind Insurance

Wind Mitigation is the implementation of certain building techniques in order to limit damage caused by intense Wind.

  • In 2006, Citizens Insurance, one of the largest Property Insurers in Florida, requested a 45% rate increase for Wind Insurance. Other Insurers took similar actions.
  • In Florida, the portion of a Homeowner's Premium covering Wind damage can be up to 70% of the total, depending on location.

Wind Mitigation benefits Homeowners, private Insurers, and all levels of government.

Incentives for Wind Mitigation

  • In some states, Homeowners can benefit from reduced Insurance Premiums. The Gulf Coast states, which are most prone to Windstorm damage from hurricanes, have each considered mandating incentives to mitigate damage due to Wind. Mississippi and Texas currently do not have such legislation, although Florida has been successful. Following Hurricane Andrew, Florida passed a law requiring Insurance companies to offer their customers discounts and credits for existing building features and Home improvements that reduce damage and loss from Wind. In order to qualify for this discount, Homes must undergo a Certified Home Wind Inspection. However, many Floridians do not know of this law!
  • Those with Windstorm Insurance can avoid a costly deductible. Deductibles for Homes in Hurricane prone areas can exceed $20,000, meaning that mild to moderate Wind damage might not be covered by Insurance at all. If proper Wind Mitigation techniques have been used, these expenses can be avoided altogether.
  • Wind Mitigation helps protect the Home from damage. Even if a Home is insured, it is always costly when a House is damaged, both for the Homeowner and the Insurer. Repairs can take months, especially during material shortages that follow massive destruction to entire communities, as was the case after Hurricane Katrina struck Louisiana.
  • Lenders in Florida require Homeowners to carry Windstorm Insurance in order to be approved for a mortgage. Insurers may not provide Windstorm Insurance to Homes that are vulnerable to Wind damage.

Checklist for Wind Mitigation Techniques:

Garage doors:  These commonly fail during Windstorms due to: inadequate door-track strength and mounting systems; and flimsy metal panels.                

The following features can protect a garage door from Wind damage:

Wind Mitigation Inspector
  • No Windows; the tracks for the door that have six to nine mounting brackets, or continuous mounting; track brackets that are securely attached to the wall; and horizontal and/or vertical reinforcement on all panels.
  • Opening protection:  Glass doors and Windows should be replaced with impact-resistant glass. They should be structurally attached to the building in order to Prevent the entire Window from popping out of its frame. Sliding glass doors are especially vulnerable to flying debris due to their large expanse. Once an opening is created during a Windstorm, the Pressure within the House can rise high enough to cause the Roof to fail in areas of low Pressure. 
  • Roof covering: There are many kinds of Roof covering materials, and some resist Wind damage better than others. The most common Roof covering materials in Florida are composition shingles and tiles. A key factor in Roof covering performance is the method of attachment of the Roof covering material to the Roof deck. Nails, not staples, should be used to fasten these materials.
  • Roof shape:  "Roof shape" refers to the geometry of the Roof, rather than the type of Roof covering. The end-walls of gable Roofs extend vertically to the sloping Roofline. These gable end-walls, if not properly built or braced, have been known to fail outward due to the negative suctions on the wall. Additionally, field testing has shown that hip Roofs receive up to 40% less Pressure from Wind than gable Roofs.
  • Roof deck attachment:  According to Insurance claim data, a House becomes a major loss once the Roof deck fails, even partially. The most common Roof deck types are plywood and OSB. The most important feature of the Roof deck by far is the attachment to the framing compared to the deck's thickness. The following building techniques can help Prevent Wind damage: Roof coverings using shingles that meet the FBC requirements; Roof decks that have been installed with large nails and close spacing; hurricane clips/straps that hold the Roof structure to the walls; and protection of Windows and glass doors with impact-resistant glazing or other protection systems.
  • Roof-to-wall connections:  This connection is a critical safeguard that keeps the Roof attached to the building and acts to transfer the uplift loads into the vertical walls. This connection is crucial to the performance of the building due to the large negative Pressures acting on the Roof. Proper installation is essential to connector performance.
  • Secondary water resistance: This is a layer of protection that shields the Home in the event that the Roof covering fails. It will reduce leakage if the shingles are blown off. A secondary water barrier is relatively rare in Homes. The two most common types are: self-adhering modified bitumen underlayment, which is applied to the exterior of all joints; and foam seal, which is sprayed onto the underside of the decking.

In 2009, InterNACHI developed an online, video Wind Mitigation course for Wind Mitigation Inspectors.  The course is approved by most Insurance companies and the Florida Construction Industry Licensing Board.

In summary, Wind Mitigation is a strategy designed to limit the amount of Wind damage inflicted on a structure. Various incentives are in place to motivate Homeowners to implement these enhancements, and qualified Windstorm Inspectors can determine which improvements are necessary.