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Spray Foam Insulation and Wind Mitigation

Does your client need a wind mitigation report for insurance purposes? Do you know if the home has spray foam insulation?

Spray foam insulation can limit the ability to perform a wind mitigation inspection, which is an assessment of a building's resilience against high winds and storms. Here's how spray foam insulation can affect this inspection:

  1. Roof deck attachment: In a wind mitigation inspection, one of the factors considered is the attachment of the roof deck to the underlying structure. Typically, inspectors look for specific types of fasteners or clips that secure the roof deck. However, when spray foam insulation is applied directly to the underside of the roof deck, it can obstruct the visibility and accessibility of these fasteners or clips, making it difficult for the inspector to assess their quality and effectiveness.

  2. Roof-to-wall connections: Another important aspect of wind mitigation inspections is evaluating the connections between the roof and the walls of the structure. These connections, such as hurricane straps or clips, help strengthen the overall structure against high winds. However, if spray foam insulation is applied in a way that covers or hides these connections, it can impede the inspector's ability to assess their condition and effectiveness.

  3. Visual inspection limitations: Inspectors rely on visual assessments to evaluate the various components of wind mitigation, including roof coverings, openings, and structural features. Spray foam insulation, particularly when applied in closed-cell form, can create a barrier that hampers the inspector's ability to visually inspect the underlying elements of the structure.

It's important to note that the impact of spray foam insulation on wind mitigation inspections may vary depending on the specific application and installation method. If you anticipate the need for wind mitigation inspections in the future, it's advisable to discuss this concern with insulation professionals and contractors beforehand. They may be able to suggest alternative insulation methods or modifications to facilitate future inspections while still reaping the benefits of spray foam insul

A wind mitigation report is a document that provides detailed information about a residential or commercial property's resistance to wind damage. It is typically prepared by a qualified and licensed inspector who assesses the building's construction features and protective measures related to windstorms and hurricanes. The purpose of a wind mitigation report is to help homeowners and insurance companies understand the level of risk associated with a property and determine potential insurance discounts or credits for windstorm coverage.