Wind mitigation specifically targets the structural and nonstructural aspects that prevent or lessen damage caused by high winds that occur with storms. In Florida, our primary concern is the wind damage caused by hurricanes. Hurricane season begins June 1 and ends November 30. That means for five of twelve months of every year, Floridians are at risk for exposure to high winds. Also, it is not unusual to have a hurricane or tropical storm outside of hurricane season.
The first step is to have an inspection of your home. Obtaining an inspection generally costs, but is well worth the investment to fully mitigate your home. Activities to mitigate your home are research based recommendations. Multiple organizations including the Florida Department of Financial Services, Florida Division of Emergency Management, Florida’s Foundation, Florida Alliance for Safe Homes, and the Insurance Institute for Business and Home Safety all endorse the same research based recommendations and provide resources to inform and assist homeowners.
But what is wind mitigation?
What actions or changes constitutes mitigating your home? The primary damages from hurricanes are wind and water intrusion1. Water, as rain directed by varying wind directions, enters homes through gable ends, soffit vents and poorly sealed windows and doors. Once rain enters homes mildew can develop within days. Like water, wind causes damage by entering the home through poorly sealed openings. Wind damages homes by increasing pressure and causing uplift forces on the roof.
A complete Wind Mitigation inspection:
An inspection that outlines a property’s protection against wind based damage, this inspection grants discounts on your premium based on your home’s various protections. For an accurate mitigation, a homeowner must hire an inspector to go over the various points covered for discounts on their insurance premium.
- Can count for 15-70 % of insurance premium depending on location
- Ensures homes can survive wind based damage
- Can be higher or lower depending on the location of your property
How the Wind Mitigation Works with Home Insurers
Admitted insurers are required to provide this notice of the mitigation credits available to their policyholders. (Insurance companies have been required by statute to provide notice of the mitigation credits available to their policyholders on new business and renewals beginning 10/01/2005.)
Since July 1, 2008, all admitted insurance carriers were required to accept a valid uniform mitigation verification form certified by the Department of Financial Services (DFS) or signed by certain licensee’s. In the beginning, this included inspectors certified by the My Safe Florida Home Program (MSFH). However, DFS no longer certifies MSFH inspectors because the program ended.
CURRENT LICENSEE'S WHO MAY SIGN A MITIGATION VERIFICATION FORM
- A building code inspector licensed under s. 468.607;
- A general, building, or residential contractor licensed under s. 489.111;
- A professional engineer licensed under s. 471.015;
- A professional architect licensed under s. 481.213;
- Effective 05/27/09, any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form.
A person who is authorized to sign a mitigation verification form must inspect the structures referenced personally, not through employees or other persons, and must certify or attest to personal inspection of the structures referenced by the form. However, licensees under s. 471.015 or s. 489.111 may authorize a direct employee, who is not an independent contractor, and who possesses the required skill, knowledge and experience to conduct an inspection. Insurers have the right to request and obtain information from the authorized mitigation inspector, regarding any authorized employee’s qualifications prior to accepting a mitigation verification form performed by an employee that is not licensed under s. 471.015 or s. 489.111.
INSURER'S RIGHT TO VERIFY
At the insurer’s expense, they may require that any uniform mitigation verification form provided by an authorized mitigation inspector or inspection company be independently verified by an inspector, inspection company or an independent third-party quality assurance provider which does possess a quality assurance program prior to accepting the uniform mitigation verification form as valid.
Effective 02/01/2012: OIR-B1-1802 (Rev. 01/12) This revised inspection form was approved by the Financial Services Commission (FSC) on December 6, 2011. The Office of Insurance Regulation (OIR) notified all insurers via Informational Memorandum OIR-12-01M to begin using this form on February 1, 2012. This form has gone through several workshops where all concerned parties could provide input about the form. Since the workshops are over and the form has been approved by the FSC, the review period has been exhausted. All mitigation inspectors must use this form and the insurers must accept it after the effective date provided by the OIR.
Effective 04/21/2010 through 01/31/2012: OIR-B1-1802 form (Rev. 02/10) was effective April 21, 2010. After that date, homeowners were required to use this form. This inspection form requests a signed statement by the licensed professional who performed the inspection as well as the homeowner’s signature. In addition, photo documentation is required for sections 3 through 9 on the form. Insurance companies were instructed by The Office of Insurance Regulation (OIR) to use the new form via Informational Memorandum OIR-10-02M.
If your inspection was performed earlier than 04/21/2010 and you remain with the same insurer, the old version of the form may be good for up to 5 years and may be used unless there has been a change in the construction features of the home. Also, if an insured changes insurers the new company has a right to require the current 1802 form be completed and the cost assumed by the insured.
Effective 07/01/2008 through 04/20/2010: The original OIR-B1-1802, Uniform Mitigation Verification Form, was required from 07/01/08 through 04/20/2010.Click here for a copy of the old Mitigation Form
Florida Statute 627.711
- I am a Certified Professional Inspector, CPI with InterNACHI (International Association of Certified Home Inspectors)
- I am a member in good standings with InterNACHI.
- I am a Florida Licensed Home Inspector #HI9918 and Indiana Licensed Home Inspector #HI01500050.
- I have 15 years of experience inspecting residential and commercial buildings.
- I have 10 years of general construction experience in Framing, Roofing, Drywall electrical, Plumbing, masonry, concrete and exteriors facades.
- I take at least 16 hours of continuing education every year.
- I provide full color digital reports that come loaded with detailed information, pictures and notes specific to your property.
- I use the latest tools and equipment on all inspections to make sure you are getting a thorough inspection.
- All inspections are completed within 24 hours and emailed to you and your realtor insurance agent or mortgagor upon request.
- Full Single Family Home Inspection (up to 2000 SF) $375.00 Fee Per Additional 500 SF $50.00
- Full Condominium Inspection (up to 2000 SF) $275.00 Fee Per Additional 500 SF $25.00
- Full 2 to 4 Unit Home Inspection (up to 2000 SF) $425.00 Fee Per Additional 500 SF $50.00
- Four Point Insurance Inspection (up to 2000 SF) $175.00 Fee Per Additional 500 SF $25.00
- Uniform Wind Mitigation Verification Report-Residential (up to 2000 SF) $145.00 Fee Per Additional 500 SF $25.00
- Mold Swab Testing (sent to lab for analysis) Fee covers two samples. $135.00 Additional samples are $50.00 EA.
- Pool Inspection (up to 1000 SF) $95.00
A Word From Our President
Choosing the right home inspector can be difficult. Different inspectors have varying qualifications, equipment, experience, reporting methods, and pricing. One thing that’s certain is that a home inspection requires a lot of work. Ultimately, a thorough inspection depends heavily on the individual inspector’s effort. If you honor Focus Inspections by permitting me to inspect your new home, I guarantee that I will give you my very best effort. This I promise you.