What is a wind mitigation inspection?

A wind mitigation inspection details how resistant your home is to wind damage. It can often lead to big discounts on insurance premiums.

Kara McGinley

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Kara McGinley

Kara McGinley

Editor & Licensed Home Insurance Expert

Kara McGinley is an editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

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A wind mitigation inspection is when a certified inspector checks your roof and other parts of your home to determine how it holds up against severe wind. The inspector then issues a report on their findings. 

If the report shows that your home is sufficiently fortified against wind damage, your insurer may reward you with discounts on your home insurance premiums. That’s because storm-proofing your home lowers the risk of expensive wind damage. Insurance companies often offer discounts for wind mitigation and other risk reduction measures.

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What’s included in a wind mitigation inspection report?

Wind mitigation inspections are only necessary in states that experience frequent windstorms and wind damage, like Florida. In the Florida report, inspectors look at the below seven construction features of your home. [1]  

1.  Building codes

Inspectors will check to see what year your home was built and if it is up to all state and county codes. 

2. Roof covering

Inspectors will want to know information about your roof’s makeup, like if it is asphalt or clay or tile. If you recently replaced your roof, you should provide proof of that to the inspector as well. 

3. Roof-deck attachment 

The inspector typically goes through your attic to see how securely your roof deck is attached to your home’s rafters. They’ll measure the length of the nails and materials used to attach the roof deck. 

4. Roof-to-wall attachment

Inspectors also look at your roof-to-wall attachments, which can be anchor bolts, clips, toenails, double wraps, and more. These features are what secures your roof to the walls of the home.  

5. Roof geometry 

During the inspection, the inspector will note the shape of your roof, like if it is a flat roof. Certain roofs are more wind resistant than others. 

6. Secondary water resistance 

The inspector will want to include if your roof has a secondary water resistance layer. This is usually installed under the first layer of your roof and it’s extra protection from rain damage. 

7. Opening protection

This part of the inspection focuses on how wind and water resistant your windows and doors are. They’ll check to see how your windows are sealed and if they’re shatter proof. 

How much money can you save on home insurance with a wind mitigation inspection?

That will depend on where you live and the risk rating you receive during the inspection. You can typically save anywhere from 20% to 70% on your insurance premiums. That means savings may be anywhere from around a couple hundred to a couple thousands of dollars. 

If you have a strong secondary water resistance layer on your roof, and if it’s a hip roof (slopes downward) instead of a flat roof, you’ll see bigger discounts. If you find you didn’t save as much as you’d like, speak with your inspector. You may be able to make additional improvements to your home, like storm proofing your garage door, that could result in a greater discount. 

How much does a wind mitigation inspection cost?

The cost of wind mitigation inspections vary, but it’s generally around $75 to $150 and it typically takes around 30 minutes to an hour to complete the entire inspection. 

How to get a wind mitigation inspection 

If you want to get a wind mitigation inspection, you’ll need to hire a certified home inspector or other qualified inspector and pay for the inspection yourself — your insurance company likely won’t cover any of the costs. 

Once you hire an inspector, they’ll come out and inspect your home’s roof, roof attachments, windows, and doors. After they complete the inspection you’ll be issued a report, which you can then send to your insurance company who may adjust your premiums or give you credits to reflect any discounts you qualify for from the report.

Frequently asked questions

What is a 4-point inspection?

An insurance company may request you complete a 4-point inspection, especially if you own an older home. During the inspection, an inspector comes out and does a visual inspection of your HVAC system, roof, electrical system, and plumbing system. If there are any deficiencies, your inspector will make notes of what needs to be updated.

Are wind mitigation inspections required?

You are not required to get a wind mitigation inspection, but some states are mandated by law to offer wind mitigation discounts to policyholders. Alabama, Florida, Louisiana, Maryland, New York, and Rhode Island are currently required to offer wind or hurricane mitigation discounts or credits to those who qualify for them.

How long are wind mitigation reports valid?

Wind mitigation reports are valid for five years.