Understanding the Wind Mitigation

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James Johnson of Ground Zero Mold and Home Inspections confirms "getting a wind mitigation is a great way to save “big” on your home owners insurance. Many clients are confused on what a wind mitigation is. A wind mitigation has nothing to do with a pass or fail. It has everything to do with how much money can you save. As a home owner that’s what we like to hear."


Here at Elementary Insurance Agency, we are dedicated to making insurance simple for all and that's why we're excited to share the specifics on wind mitigations with the help of a certified professional field inspector.


What is the Purpose of a Wind Mitigation Inspection?


A wind mitigation report tells insurance companies how stable a home's roof is against strong winds. Events such as wind storms or hurricanes may cause damage to the construction. If your home has strong features, it reduces the chance of loss. The process involves an inspection from a certified inspector. In Florida, the inspection may be performed by:


  • A licensed general contractor

  • Building contractor

  • Architect

  • Engineer

  • Building or home inspector


What are the Inspectors Looking For?


During the inspection, certified inspectors analyze key features:


  • The age of the roof

  • Type of roof cover

  • Secondary water barriers

  • Other structural protections


The certified professional home inspector, Johnson, highlights additional items insurance companies look at to provide you the discounts you deserve:

  • Roof attachment to your house/frame
  • Nail spacing and nail length in your roof decking
  • Thickness of your roof decking
  • Roof geometry
  • Window ratings and
  • Garage door installation

Benefits of a Wind Mitigation Inspection Report


In Florida, homeowners are eligible to receive discounts on their premium. Having the extra protection will save homeowners money in the long run and make fewer claims on their home insurance.


Check out Ground Zero Mold and Home Inspections for your wind mitigations and so much more!


Call us for a Quote

Elementary is focused on helping you increase your savings, raising your deductible, providing you with discounts and applying credit as much as possible. Learn more about Elementary homeowners insurance products, or if you’re ready to take the next step, call (813) 212-8505 for a FREE no obligation quote.




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