Wind Mitigation Inspection
Get the Documentation Your Insurance Company Needs
Need a wind mitigation inspection for your homeowners insurance? PennCo provides professional wind mitigation inspections for Florida homeowners, homebuyers, property owners, and real estate professionals.
We inspect and document the wind-resistant features of the property so your insurance carrier can determine whether the home qualifies for available wind mitigation credits.
Whether you’re purchasing a home, renewing coverage, changing insurance companies, or have been asked by your agent or carrier for an updated wind mitigation report, PennCo makes the process straightforward.
What Is a Wind Mitigation Inspection?
A Florida wind mitigation inspection documents construction features that can help a home resist damage from high winds and hurricanes. The inspection provides your insurance company with information about the home’s construction and qualifying wind-resistant features.
Depending on the property, the inspection may document items including:
- Roof covering and installation information
- Secondary water resistance
- Roof deck attachment
- Opening protection
- Roof-to-wall connections
- Impact-rated windows and doors
- Roof geometry
- Hurricane shutters or other approved protection
The insurance company uses the completed documentation to determine whether the property qualifies for applicable wind mitigation credits.
PennCo does not determine insurance premiums or guarantee that an inspection will result in a premium reduction.
Know What You’re Insuring Before You Close.
A wind mitigation inspection can be particularly important when purchasing a Florida home. Insurance costs can be a significant part of the cost of ownership, especially in coastal areas.
Having the property’s wind mitigation features properly documented can provide your insurance agent or carrier with the information needed when obtaining or finalizing coverage.
PennCo can inspect the property and document applicable wind-resistant construction features for submission to your insurance professional.
Your Roof Matters
The roof is one of the most important components evaluated during a wind mitigation inspection.
PennCo’s construction and roofing background provides an important perspective when examining roof-related components and available documentation.
Depending on the property and accessible conditions, the inspection may involve reviewing:
- Roof covering
- Roof installation documentation
- Roof deck attachment
- Roof-to-wall connections
- Roof shape
- Secondary water resistance
- Permits and available construction documentation
Where documentation is required to support a particular feature, PennCo can explain what information may be needed.
Recently Replaced Your Roof?
If you recently replaced your roof, upgraded windows or doors, installed hurricane protection, or made other qualifying improvements, your existing wind mitigation report may no longer reflect the current property.
An updated inspection can document applicable improvements for your insurance carrier to evaluate.
What to Expect
Schedule
Choose a convenient appointment and provide the property information.
Inspect
PennCo evaluates and documents the applicable wind mitigation features of the home.
Document
Required photographs and available supporting information are assembled with the inspection documentation.
Submit
You receive the completed documentation for submission to your insurance agent or carrier as appropriate.
Built to Serve Everyone in the Transaction
Need It Quickly?
Insurance transactions and real estate closings often operate on tight timelines. If your insurance agent, lender, or real estate professional has requested a wind mitigation inspection, contact PennCo and tell us when you need it.
We’ll confirm scheduling availability and help you understand what information should be available at the property.
Questions Homeowners Ask
What is a wind mitigation inspection?
A wind mitigation inspection is a visual inspection of a home’s construction features that can help it resist damage from high winds and hurricanes — such as roof covering, roof-to-wall connections, and opening protection. The completed report is submitted to your insurance company.
Why does my insurance company need a wind mitigation inspection?
Florida insurance companies use wind mitigation reports to evaluate a home’s wind-resistant construction features. Your carrier — not the inspector — determines whether those features qualify the property for any available wind mitigation credits.
Can a wind mitigation inspection lower my homeowners insurance premium?
A wind mitigation report documents features that your insurance carrier may consider when determining available credits. PennCo does not determine insurance premiums, guarantee a premium reduction, or guarantee eligibility for any credit — that determination is made solely by your insurance carrier.
How long is a Florida wind mitigation inspection valid?
Many Florida insurance carriers accept a wind mitigation report for up to five years, though acceptance periods and requirements can vary by carrier. Check with your insurance agent or carrier for the specific timeframe that applies to your policy.
What does a wind mitigation inspector look for?
Depending on the property, an inspector may document the roof covering and installation, roof deck attachment, roof-to-wall connections, roof geometry, secondary water resistance, and opening protection such as impact windows, doors, or hurricane shutters.
Should I get a new inspection after replacing my roof, windows, doors, or hurricane protection?
Often, yes. An existing wind mitigation report may not reflect improvements made after it was completed. An updated inspection documents the property’s current condition for your insurance carrier to evaluate.
Need a Wind Mitigation Inspection?
Whether you’re buying a home, renewing insurance, changing carriers, or documenting improvements to your property, PennCo can help make the process simple.
Schedule a Wind Mitigation Inspection
Tell us a bit about the property and why you need the inspection. A member of our team will follow up to confirm scheduling.