When insuring a home in Florida, insurance agents may require a Wind Mitigation report to be provided. This report identifies the building features of the home that contribute to protection against hurricane force winds and preventing them from lifting the roof from the house. While this report may not determine if the home can be insured, it will contribute to the credits that impact insurance rates. The higher the level of hurricane protection, the more credits and potential discounts may be applied.
Roof Deck Attachment
The first category of the wind mitigation is the roof deck attachment, which addresses how the roof decking is attached to the roofing trusses. There are three common levels in this category, with C having the highest rating against hurricane uplift. The most common attachments in each category are as follows:
Roof to Wall Attachment
The next category is the roof to wall attachment, which addresses how the roofing members are secured to walls of the home. This is achieved with nails or metal brackets which are embedded in the exterior walls and attach near the ends of the roofing members, near the soffits.
The roof geometry section identifies the wind deflection properties of the shape of the roof. These are categorized into being a Hip, Flat, and Other.
Secondary Water Resistance
A Secondary Water Resistance barrier is an adhesive, Modified -Bitumen roofing layer that is applied to the roof sheathing. It is an additional waterproof layer to provide protection in the event of the loss of the roof covering. The wind mitigation simply asks for verification of if this layer is or is not present.
The opening protection is an identification of the types of openings into the home as well as the impact ratings of the doors or windows in these openings. This category is an all-or-nothing credit. If any opening is not hurricane rated, the entirety of the structure is no longer considered to be impact rated. In order to consider an opening to be impact rated , the inspector will need to verify the rating, most likely through the rating sticker or label the manufacturer places on it.