A wind mitigation inspection evaluates several features that affect a home’s ability to withstand high winds. This includes the roof shape and covering type, hurricane straps or clips, roof decking and attachment methods, secondary water resistance, foundation connections, protection for windows and doors, and gable bracing. The inspection also takes into account the building code in effect when the home was constructed and the wind speed design rating. These inspections can qualify homeowners for insurance discounts that are typically renewed each year, providing long-term savings.
A fortified roof certification is focused specifically on the roof system. It documents the materials used and verifies that the roof was installed according to the requirements of the Fortified program. Once issued, the certification is valid for five years and can be renewed one additional time for another five-year period.
Both programs may qualify for homeowners for insurance discounts. However, some insurance companies allow the discounts from both programs to be combined, while others may only apply one. Knowing how your insurer handles these programs can help you choose the best option for improving your home’s protection and maximizing potential savings.
