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McGarry and Madsen's home inspection blog for buyers of
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Can I do my own wind mitigation inspection?
Wednesday, September 19, 2018
It would be wonderful if getting a discount on your Florida windstorm insurance was as easy as taking a couple of photos and filling out a form. But the paperwork has to be completed by a Florida-licensed professional in the construction industry and requires training in order to complete the inspection accurately.
Here’s a list below (from page 4 of the Florida Form OIR-B1-1802) of the licenses which are acceptable. By the way, it’s worth noting that roofing contractors are not authorized to do a wind mitigation inspection. Some roofers also have one of the approved licenses, but a roofing license alone is not accepted.
•• Home Inspector - But only inspectors that have completed a training course approved by the Construction Industry Licensing Board and passes a proficiency exam.
•• Building Code Inspector - These are the inspectors that are licensed to work for a local building department.
•• General, Building, or Residential Contractor - These are the three levels of contractor licensing in Florida and any one of them can do a wind mitigation inspection.
•• Professional Engineer
•• Professional Architect
•• Any inspector recognized by an insurer as having the necessary qualifications to do the inspection.
Also, the inspector must sign and date form, and enter their type of license and license number.
• • • • • • • • • • • • • • • • • • • • • • • • • • •
Here’s links to a collection of other blog posts about the wind mitigation inspection:
• How much does a wind mitigation inspection cost?
• Why is my insurance company requiring a Wind Mitigation inspection?
• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?
• Which building permit date is used for the Building Code section of the wind mitigation form?
• What are the different roof deck attachment discount categories for a wind mitigation inspection?
• What determines the year of a house for the wind mitigation form?
• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?
• Why did I get no discounts or only a small discount from my wind mitigation inspection?
• How do I get the hip roof discount for my homeowners windstorm insurance?
Visit our INSURANCE and HOME INSPECTION pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.
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