Is a wind mitigation inspection transferable from previous homeowner to new homeowner?

Saturday, January 9, 2021

No. "You must provide a new Uniform Mitigation Verification Inspection form because the current property owner must be present and attest to the validity of the inspection,” according to Citizens Insurance, one of the Florida’s largest providers of homeowners insurance. The form was developed by the Florida Office of Insurance Regulation, and includes a fraud statement on page 4 that the owner is required to sign. It states that "I certify that the named Qualified Inspector or his or her employee did perform an inspection of the residence identified on this form and that proof of identification was provided to me or my Authorized Representative.”

    There were problems with fraudulent wind mitigation inspections in the first years after it was instituted by the state, that gave homeowners insurance credits for wind-resistant home featured that were not actually installed. So a warning to would-be cheaters is placed below the signature line that says “Any individual or entity who knowingly provides or utters a false or fraudulent mitigation verification form with the intent to obtain or receive a discount on an insurance premium to which the individual or entity is not entitled commits a misdemeanor of the first degree [Section 627.711(7), Florida Statutes].

    Also, see our blog posts Why is my insurance company requiring a Wind Mitigation inspection? and How long does a wind mitigation inspection remain valid? and Why didn't I get the hip roof discount on my wind mitigation inspection?

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Here’s links to a collection of some of our other blog posts about the WIND MITIGATION FORM:

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 is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

How do I get the hip roof discount for my homeowners windstorm insurance?

Can I do my own wind mitigation inspection?   

 Who can perform a wind mitigation inspection in Florida?

• How long does it take for a wind mitigation inspection? 

• What is checked during a wind mitigation inspection? 

Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

What’s the difference between a gable and hip roof for my insurance? 

• What is the wind mitigation inspection for homeowner's insurance? 

• Why did I get no discounts or only a small discount from my wind mitigation inspection? 

How can I tell how hurricane resistant a Florida house is before I buy it? 

What is a wind mitigation discount? 

Do I get a a discount for partial hurricane shutters in a Wind Mitigation inspection?

• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report? 

 What’s the difference between a four-point and wind mitigation inspection?

• What is the discount for Secondary Water Resistance (SWR) on a Wind Mitigation Inspection Report (OIR-B1-1802)? 

How much does a wind mitigation inspection save on insurance?

• What is the discount for gable end bracing in a Wind Mitigation Inspection (OIR-B1-1802)? 

What is the discount for wall construction type in a Wind Mitigation Inspection Report (OIR-B1-1802)?

• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection? 

Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?

• What is the difference between the HVHZ (High Velocity Hurricane Zone) and the Wind-Borne Debris Region in Florida Building Code? 

If the strap has 2 nails at my roof trusses, what credit do I get on my wind mitigation inspection?

• Is a digital signature acceptable for customers on the Florida Wind Mitigation Form (OIR-B1-1802)? 

     Visit our INSURANCE page 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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