Wind resistant features help to protect your property and family from the damage that can result from a windstorm. Windstorms can cause significant damage to a home. Strong winds can produce forces that can simultaneously create uplifting, shearing and lateral forces that cause massive destruction to a home. Windstorms can destroy windows and doors, allowing water to enter which can result in damage to the interior of a home. High winds can also blow debris onto or into a home. If the outer shell of a home is breached by high powered winds, a roof can come up or even come off.
As a certified Wind Mitigation inspector, KAZ & Company Inc. will look for key features of your home that show whether it will be less likely to be harmed or damaged during a hurricane or strong wind storm. Wind mitigation is a mandatory inspection for any new homeowner policy and is a seven phase report that gives discounts, or premium credits, off the premium on a new policy.
- Phase 1 – Year Home was Built: If permitted after March 1, 2002 your home would qualify for a premium credit.
- Phase 2 – Roof Permit Date: If permitted after March 1, 2002 – you would qualify for a premium credit
- Phase 3 – Roof Deck Attachments: How is the deck of the roof (plywood/layer above trusses and the layer below the shingles or tile) attached?. The correct attachments will qualify for a premium credit.
- Phase 4 – Roof to Wall Attachment: How the trusses are attached to the walls of the home? Proper attachments will qualify for a premium credit.
- Phase 5 – Roof Geometry: If the roof geometry is a “Hip Roof” (see photo image #1), you will qualify for a premium credit. A “non-hip roof” (see photo image #2) will not qualify.
- Phase 6 – Secondary Water Resistant Barrier: This is the layer underneath the roof tile or shingling – The documentation for this premium credit must be captured during the construction process with photo documentation of the secondary water resistant barrier prior to the roofing being installed.
- Phase 7 – Opening Protection: Are all the windows and doors of the home protected from high wind conditions?. Examples of wind protection include presence of storm panels, storm shutters, accordion shutters, roll down shutters, and a garage door that is wind or impact rated.
We also collect information about the age of the home to determine what building code was in place at the time of construction, age of the roof, documentation to prove if the roof was installed to meet any certain building codes, the roof/deck attachment, roof to wall connection, roof shape, existence of a SWR and the opening protection of doors and windows. We will research building permit records to identify any re-roofing history or restoration.
If your home meets the standards, you will be issued a certificate and necessary photos (See Standard Wind Mitigation Form 1802 in Gallery & Reports Section) which provides the necessary documentation you need to demonstrate that your home is equipped to endure wind/hurricane wind forces and suffer less damage, which could result in lower insurance fees. The State of Florida mandates that insurance companies reduce their rates for homes with the aforementioned wind mitigation features. A wind mitigation certificate may help you receive a discount on your homeowners insurance.