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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