[Karmanng]

Originally Posted by Malsua

I perform wind mitigation inspections. I am licensed, insured and certified to do so and run an inspection business here in TV.

You've got it mostly correct, there are a few more things.

The type of connection: toe-nails, clips, single straps, double straps
The type of nails for the deck to truss connection. 6d or 8d. There is also a new standard for a thicker ring shank nail, but it's not entirely clear if insurance companies are factoring that in or not.

There is also impact protection. Most of the newer homes that I perform win mits on have additional hurricane bracing on the garage doors. I would say this started in TV around 1998 or so. The oldest homes don't have it. There should be a pressure rating sticker or ASTM rating somewhere on the door.

You can also have impact rated glass and entry doors. I have yet to find any of that here in TV, but I have seen it near the coasts although I have not done any Wind Mits out that way on either side of FL. Further, you can have hurricane rated shutters of various types, again, I've not found that here in TV.

Most homes built after 2004(2002 in some jurisdictions) already have a wind mitigation discount built into the insurance as that is when the Florida Building standards changed. That said, not every insurance provider will provide the discount without the inspection, so be sure to ask your agent. If it is not included, get a wind mit done, it's worth it.

It takes a little more than a few minutes but usually under an hour and it requires some time in the attic but well worth it for the discount.

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