St Petersburg Home Inspection, Wind Mitigation Training Video
In this next video you will find a St Petersburg Home Inspection, Wind Mitigation we did on a house,
A Windstorm or Wind Mitigation Inspection is a brief inspection that can help determine whether your property can withstand winds and storms and thereby reduce windstorm insurance rates and lower your overall costs.
This brief but thorough inspection verifies construction methods that create wind mitigation discounts from your insurance company thus saving you money. All windows in your home as well as doors and sills are inspected for age, condition and to ensure they can withstand high winds. The roof and structure is then inspected with emphasis on sustainability in high winds. The inspection usually takes less than an hour but can save time and countless expenses later.
With a proper inspection, insurance companies will often issue a check directly to you in three to six weeks. The savings can continue from that point forward as well as provide a safe and secure feeling knowing your property is ready should an unexpected high-wind storm approach.
So on this next St Petersburg Home Inspection video you will familiarize with what you will get in a report.
Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes. In Florida, the code standard was updated in 2001.
Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, like if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the better impact on your wallet!
Roof Geometry: is your roof hip or not? Nope, the inspector won’t care how cool it is, just how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.
Wall Construction Type: Inspectors will review the construction materials used on your home for framing, reinforcement, and outer fascia, and at what percentages. Steel reinforced concrete block homes may yield a better discount than one with a plywood-only frame and plastic siding.
Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area.
Opening Protection: Here, inspectors are looking for shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings need to be covered with Hurricane rated protection to qualify for this discount.
In the end, investing in a wind mitigation inspection is at your own discretion. The potential cost-savings per year could easily outweigh the cost. If you live in a coastal region, avoiding a wind mitigation inspection is at your own peril.