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Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?
Tuesday, September 29, 2020
The biggest single discount on the Florida Wind Mitigation form (OIR-B1-1802)—up to a 68% reduction in the windstorm portion of a homeowner’s insurance policy—is for homes built under the Florida Building Code after it went into effect throughout the state on March 1, 2002. In order to get the discount, the application date for the original building permit must be after March 1, 2002. The permit application date for newer homes is usually easily obtained and documented from the local building department’s database, which is often available online.
An inspector cannot examine a home built earlier and determine that it meets FBC standards because that is not an option on Question #1. Only a permit application date is acceptable. There are two ways Building Code discount question can be handled:
1) Note that the permit was before March 1, 2002.
2) Note that the permit was applied for after March 1, 2002.
If the permit was in 2002 or 2003, then there’s an additional stipulation that the exact date of the permit must also be added.
There is also an alternative for the HVHZ (High Velocity Hurricane Zone), which encompasses only Dade and Broward counties at the bottom of the state on the east coast. Homes with permit applications after September 1, 1994 qualify for the discount and, if the home was built in 1994, 1995, or 1996, the exact date of permit application must be added.
Also see our blog post How long does a wind mitigation inspection remain valid?
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