WHAT IS RETROFIT MITIGATION? Retrofit mitigation are things that can be done to existing dwelling structures to help protect the structure from loss due to windstorm or hail.
WHAT CAN I DO TO RETROFIT MY HOME? There are four groups with various items that shall be done in order to receive credit. This program is a four step program, each item in a particular group must be completed in order to receive credit for that group. Also Group A must be fully completed in order to obtain credit from any other group. The groups are as follows:
| Group A Roof System (12% Credit) | Click here for details | ||
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| 1. Roof Wall Connection | ||
| 2. Collar - Tie / Ridge Board Connection | |||
| 3. Hip Rafter Connection | |||
| 4. Gable End Bracing | |||
| 5. Soffit Protection | |||
*Note - Properly installed pre-engineered trusses will eliminate the need for items 2 & 3.
All items in Group A must be completed in order to receive the listed credit or receive credit from any other group.
| Group B Opening Protection (8% Credit) | Click here for details | ||
| 1. Windows | |||
| 2. Doors | |||
| 3. Garage Doors | |||
All items in Group B must be completed in order to receive the listed credit.
| Group C Roof Surface (5% Credit) | Click here for details | ||
| 1. Install Class H Shingles or UL-90 Rated Metal Panels | |||
| 2. Underlayment / Secondary Water Barrier | |||
All items in Group C must be completed in order to receive the listed credit.
| Group D Site Hazards (5% Credit) | Click here for details | ||
| 1. Clear all Overhanging Limbs | |||
| 2. Clear all Trees Greater Than 15 Feet Tall and Within 15 Feet of the Subject Structure. | |||
All items in Group D must be completed in order to receive the listed credit.
WHO SHOULD PERFORM THESE IMPROVEMENTS? The MWUA does not require the items to be done by a licensed professional, although MWUA does strongly suggest any of the structural items done to your home be performed by a certified or licensed contractor
.IS THERE ANY COST INVOLVED IN THIS PROCESS? Yes, in addition to the mitigation costs there is a $250 non-refundable inspection fee payable to the MWUA. This fee will pay for an inspection of the property by an approved licensed engineer.
WHAT HAPPENS AFTER THE DESIRED RETROFIT ITEMS HAVE BEEN COMPLETED?
1. Once the necessary or desired improvements have been completed the insured must submit a request for inspection along with a non-refundable inspection fee of $250 including the pre-inspection check list of what items have been completed to the Mississippi Windstorm Underwriting Association (MWUA) at the following address:
2. Once all necessary information and inspection fee has been received. The request is sent to an approved certified inspector to conduct an on site inspection.
3. The inspector will contact the insured and set up a time to visit the location and perform the inspection. A copy of the inspection report will be provided the insured and MWUA.
4. If the inspection indicates that the retrofit mitigation items have been completed correctly the insured will receive appropriate credit for that level of retrofit mitigation. Credits will be effective the date the request for inspection and full inspection fee was received in the office of MWUA.
5. If the inspection indicates that the retrofit mitigation items were not completed or done correctly the insured will be allowed up to two months to make the necessary corrections. Once these corrections have been completed the insured must request a reinspection. This reinspection will be done at no additional cost. If this reinspection finds the retrofit mitigation items still not properly completed, the inspection process will then start over with the insured making a request to MWUA along with the non-refundable inspection fee of $250.