This section identifies visible conditions found during the home inspection that may affect a property's windstorm protection or eligibility for wind-mitigation insurance credits.
It supplements the separate wind mitigation inspection and the current Florida Uniform Mitigation Verification Inspection Form, OIR-B1-1802.
Where information in the home inspection report differs from the completed wind mitigation report or official insurance form, the wind mitigation report should be relied upon for the documented wind-mitigation features and classifications.
Potential improvements may involve:
- roof covering
- roof-deck attachment
- roof-to-wall attachment
- roof geometry and slope
- secondary water resistance
- windows and doors
- garage doors
- opening protection
- other applicable structural or wind-resistance features
Eligibility for insurance credits and the value of any discount are determined by the insurance carrier and may vary by provider, policy, location, building characteristics, current underwriting requirements, and the documented features shown on the current OIR-B1-1802 form.
Before completing improvements solely for insurance purposes, consult your insurance provider or agent regarding potential eligibility and expected savings.
Where repairs or upgrades are recommended, use appropriately qualified and licensed professionals.