What is a Wind Mitigation Inspection Report?
In 2006, Florida became the ﬁrst state in the country to mandate that insurance companies offer insurance discounts if a home receives a wind mitigation inspection certified by a qualified inspector.
While many property owners receive wind mitigation inspections to assess their home’s storm readiness, many others opt to have these inspections for the insurance discount. Wind mitigation inspections are not required by insurance companies or mortgage lenders – it’s totally optional, however the discounts usually received with a wind mitigation report outweigh the cost of the inspection, so it’s in your best interest to have one done.
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector, or home inspector who has the proper training to complete the form. The information is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all inspections must have photos showing each feature listed on the wind mitigation form.
Inspectors will collect the following information during an inspection: the age of the home (to determine what building code was in place at the time of construction), the age of the roof, documentation to prove the roof was installed according to the building code, the roof deck attachment, roof-to-wall connection, roof shape, existence of a secondary water resistant underlayment, and the opening protection of the doors and windows.
Even if your house does not have hurricane protection on the windows, there are discounts for the shape of the roof system, the strapping of the trusses/rafters to the house, the age of the roof/house, and how the roof is nailed to the trusses/rafters.