Wind Mitigation Inspections
Wind Mitigation Inspections, also referred to as a windstorm inspections or windstorm insurance inspection, is a kind of home inspection common in the coastal areas of the Southeastern United States. The purpose of a windstorm inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane.
Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.
A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Tennessee, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy's premium. In coastal parts of Tennessee, the State mandates windstorm inspections prior to certifying a new building.
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