A Wind Mitigation Inspection also referred to as a Uniform Mitigation Verification Inspection is a wind insurance inspection that can give the home owner a substantial discount in their Home owners Wind Insurance Policy. The discounts from a wind mitigation inspection were first offered through the My Florida Safe Home program developed by the State of Florida to give home owners some relief in their insurance premiums. The State of Florida has mandated that certain items that give a home better wind protection should qualify for an insurance
discount. A wind mitigation inspection must be performed by a Certified Wind Mitigation Inspector.
There are 7 different categories looked at on a Wind Mitigation inspection. Each of these categories is independent of each other and can
qualify for discounts on their own merit. A home owner can not be penalized if one category is not to the most current building code, but can get
a discount if others are. The current industry standard used is the 2001 Florida Building Code. This building code went into effect on March 1,
2002 and affects any new construction or upgrades performed that had a building permit issued after March 1, 2002.
Form OIR-B1-1802 Is Made Up Of 7 Components:
1. Applicable Building Code - What building code was used to design and build the structure?
2. Roof Covering - When was the structure's roof installed and what building code does it meet?
3. Roof Deck Attachment - What material was used as the Roof Deck Sheathing and how is it attached?
4. Roof to Wall Attachment - How is the roof system secured to the wall structure and what is the weakest connection type?
5. Roof Geometry - What is the shape or shapes of the roof system? Is it Hip, Gable or Flat?
6. Secondary Water Resistance - Does the roof system have a secondary means to protect the dwelling from water intrusion?
7. Opening Protection - What is the weakest form of wind borne debris protection installed on the structure?
The wind mitigation inspection process is fairly simple and noninvasive. A look at the roof, a tour of your attic, a review of any documentation on your roof or storm protection, some pictures, then we go over the Uniform Mitigation Verification Inspection Form together. We can send you the report or deal directly with your insurance agent.