Lower Your Homeowner's Insurance Premiums
A Certified Wind Mitigation Inspection Can Save You Thousands.
Florida Statute 626.0629 requires insurance companies to offer significant “credits, discounts, or rate differentials” to homeowners who invest in construction features that mitigate wind damage. A Wind Mitigation Inspection is an official review, performed by a licensed professional, to verify these features. The resulting report (OIR-B1-1802) can unlock substantial savings on your insurance premium. At Studio A Engineering, our licensed engineers ensure every qualifying feature of your home is accurately documented so you receive the maximum discount you are entitled to.
The 6 Key Areas of a Wind Mitigation Inspection
1. Roof Condition & Covering
We verify the age and permit information of your roof covering to ensure it meets current Florida Building Code standards, which is the first step toward qualifying for discounts.
2. Roof-to-Wall Connection
This is a crucial credit. We inspect your attic to determine how securely your roof trusses are attached to the walls, looking for hurricane clips, single wraps, or double wraps.
3. Roof Geometry
The shape of your roof plays a major role in how it performs in a hurricane. We measure and verify if you have a hip roof, which typically qualifies for a significant insurance discount.
4. Roof Deck Attachment
We inspect the type and nailing pattern of your roof deck sheathing. A stronger attachment, such as thicker sheathing with closely spaced nails, earns a valuable credit.
5. Secondary Water Resistance (SWR)
This sealed underlayment provides a critical secondary barrier against water intrusion if your roof covering is damaged. We verify if this protective layer is present.
6. Opening Protection
This is the most significant credit. We inspect every door and window to verify if they are protected with rated hurricane shutters or impact-resistant glass, ensuring your entire building envelope is secure.