Wind Mitigation Inspection: Everything You Should Know

In the summer of 2024, severe weather damage reached over $7 billion and set a historical record. Most of the losses were due to floods and fires, but relentless storms caused significant damage as well, once again reminding us how wind mitigation inspection is vital against extreme weather events.

Ready to be proactive about your home’s safety? If so, keep reading to discover everything you need to know about this inspection: how it works, what it costs, the benefits, and more.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection evaluates the structural features and construction methods of a property to determine the extent of its ability or inability to withstand high, strong winds. This process is mostly recommended to …

• Homeowners in coastal or high-wind regions to assess readiness for severe winds,
• Prospective homebuyers (especially older properties) to ensure wind-resistant features are reliable or need modifying,
• And landlords to reduce potential storm-related repair costs.

When Should You Get a Wind Mitigation Inspection?

Unlike a yearly home inspection, wind mitigation inspection is best scheduled at “strategic times” such as:

• Before storm season in regions prone to hurricanes or strong windstorms to address weak points,
• When purchasing a house, to understand the property's wind resistance, negotiate repairs or potential discounts, vital for older homes, e.g., built before major code updates,
• After major renovations or upgrades (roof, windows, etc.) to ensure new features are properly documented and credited,
• When required by the insurance company, as some providers mandate an inspection before offering coverage or discounts (similar to an electrical inspection),
• Every 5 years, when the previous wind mitigation report is nearing its expiration date to renew documents, maintain discounts, or reflect changes to the property.

What Does a Wind Mitigation Inspection Include?

Since wind damage inspection is a targeted evaluation of a property’s wind resistance, it focuses on the following elements to identify vulnerabilities and recommend necessary upgrades:

• Roof covering type and condition, including wind-resistance rating and attachment method, such as nails vs. staples,
• Roof shape and geometry, e.g., hip vs. gable, pitch, and overhangs (which could increase the need for termite inspection, too),
• Roof deck attachment to assess how securely the deck is fastened to the structure (nail length, spacing, method),
• Roof-to-wall connections like hurricane straps, clips, double wraps, or anchor bolts,
• Secondary water resistance or SWR barrier under roofing (read more about SWR barriers),
• Opening Protections, including reinforced or impact-grade windows, doors, shutters, and garage doors.

Wind Mitigation Inspection Costs in Toronto

Depending on the location, property details, and the expert’s fees, wind mitigation inspection cost ranges from $75 to $150. Here’s a more detailed breakdown:

Since wind damage inspections are less common in regions like Toronto and Ontario, due to the lower risk of severe windstorms, you may be able to find services with fees leaning towards the lower end.

Benefits of a Wind Mitigation Inspection

Beyond the commonly known benefits like peace of mind and feeling absolutely safe in your home, there are other reasons to consider this inspection, such as:

• It’s a preventive step that limits damage and repair costs; the cost of inspection and upgrades combined doesn’t compare with severe weather losses.
• The wind mitigation report enables you to prioritize your budget for the most effective upgrades.
• It’ll help your property maintain its value better over time, attracting prospective buyers who (almost) always prioritize properties with lower risk profiles.
• You might save money on home insurance if your property passes a wind mitigation inspection or if you make suggested upgrades.
• By strengthening individual homes, communities become more enduring to related events, reducing the overall impact on local infrastructure and emergency services.

FAQ

Is a wind mitigation inspection required for homeowners’ insurance?

This inspection isn’t legally required to buy a home insurance policy. But most insurance companies require you to get one to benefit from mitigation discounts and lower insurance premiums.

How much can I save on insurance with wind mitigation?

The savings vary depending on the specific property features and your insurance provider’s policies. Not to mention that considering the benefits of wind damage inspection, it will essentially pay for itself.

What features help reduce wind damage?

Strong roof-to-wall connections, durable roof coverings, and impact-resistant windows and doors prevent wind and debris intrusion effectively. Proper roof shape, such as a hip roof, also deflects wind neatly.

How long does a wind mitigation inspection take?

A typical inspection takes about 30 to 60 minutes. As the size, complexity, and age of the property increase, the inspector will need more time as well.

Final Thoughts: Protect Your Home from Wind Damage

Storms are inevitable, but costly damage doesn’t have to be. A wind mitigation report gives you clear data to make smart, targeted improvements without wasting time or money. Submit your request here at Houmse and schedule your inspection now.