What is a Wind Mitigation Inspection Report?
In 2006, Florida became the first state in the nation to mandate that insurance companies offer some reduction insurance costs if a wind mitigation inspection is sought and certified upon review by a qualified inspector (usually a board-certified contractor, architect or engineer).
Many property owners receive wind mitigation inspections to assess the preparedness of their homes in resisting the effects of windstorm damage or loss. 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, outweighs the cost of the inspection.
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 gathered 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 if the roof was installed to any certain building code, the roof deck attachment, roof to wall connection, roof shape, existence of a SWR 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 and house and how the roof is nailed to the trusses/rafters.
Click the link below to view the inspection form: