A Wind Mitigation Inspection Conducted By:
John Decker Home Inspector & Remodeling Consultant Services

Can Dramatically Reduce Your Insurance Policy Premiums!


According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners "discounts, credits, or other rate differentials..." for particular

construction techniques that help to reduce wind damage caused by hurricanes,

tropical storms, and other windstorm related claims.


Facts about Wind Mitigation Inspections:

Windstorm Insurance rates are reduced substantially with a Wind Mitigation Wind Inspection.

A Wind Mitigation Inspection verifies construction methods that create wind mitigation

discounts based on those methods providing greater protection from wind hurricane damage.

The inspection usually takes less than an hour and the savings is usually in the form of a check

direct from your insurance company within 3-6 weeks.

All of the following structure types qualify for Wind Mitigation Inspections:

Single Family Homes 
Multi-Family Buildings 
Commercial Buildings

Discounts usually occur when dwelling structures have elements that minimize damage

from High Wind Events like Tropical Storms and Hurricanes.

They include:

Actual Roof Shape
Reinforced Roof Decking
Roof Shingle Attachment Method
Shutter Protection Over Your Windows 
Hurricane Straps and/or Hurricane Clips 
Full or Partial Impact Resistant Glazing on Windows 
Other Wind Resilient Construction Techniques...

Wind Mitigation Discounts

Wind Mitigation discounts are applied towards the windstorm portion of your total insurance premium. Depending on where you are located in Florida, the windstorm portion is between 15% and 70% of the total premium. Premium determination is very complex and actual dollar discounts are not calculated here. For exact quotes, you must contact your insurance agent or the individual insurance company in question. The three main factors for wind mitigation discounts include:

1.The number of wind resistive construction features present on your home or condo.

2. The roof to home tie downs, rafter spacing, decking to rafter nail down patterns.

 3. The protection for fenestration on your home. ( Windows & Doors )

The more wind resistive features you have, the higher the total discount will be for your property. The discounts can be as high as 30% or more of the wind portion of the insurance premium.

The Following Items are Building Features that Reduce Wind Damage:

1. Shingles or other roof coverings that meet the Florida Building Code requirements

along with secondary water resistance barrier that prevents the roof

from leaking if the shingles are blown off in a wind storm.

2. Roof decking that has been installed with larger nails or screws with closer spacing

then tied down with hurricane clips and/or straps that secure the roof structure

to the supporting walls.

3. Full protection of windows and glass doors with impact resistant glazing

or other protection methods. 


I Am John Decker. I'm A Florida Home Inspector, Who Lives & Works In Citrus County.
Florida Home Inspection License # H. I. 1553
 I Am One Of Citrus County's Featured Home Inspectors

I Am Also A Citrus County Replacement Window Specialist

Call Or E-Mail Me For A "Free Quote" On Your Next Home Inspection

​Or For Your Remodeling Consultation Needs.

John Decker Home Inspector & Remodeling Consultation Services
  John Decker


Licensed & Insured Florida Home Inspector
Member Of International Association Of Certified Home Inspectors
 H.U.D. & E.P.A. Certified Lead Inspector & Renovator
Certified Florida Wind Mitigation Inspector
 Certified Chinese Drywall Inspector


I Am John Decker. I'm A Licensed Florida Home Inspector, Who Lives And Works In Citrus County.
Florida Home Inspection License # H. I. 1553
​Buying, Remodeling, Or Selling Your Home??   We Need To Talk.    I WILL Save You Money!