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Does a Florida Wind Mitigation report evaluate roof condition?
Sunday, November 28, 2021
Most of a Florida Wind Mitigation Inspection (OIR-B1-1802) is done in the home’s attic, and the inspector does not evaluate roof condition.
May Trigger Request for Other Inspections
But the report does require the inspector to verify both the age of a house and the date of the most recent roof permit. A shingle roof that is around 20 years or older is often not acceptable. And, if an older roof is noted in the report, it may trigger a demand for roof replacement to get or renew homeowners insurance. Also, a house that is around 30 years old or more may cause the insurer to request a four-point inspection—which does include examination of the roof.
Also see What is checked during a wind mitigation inspection? and How long does a wind mitigation inspection remain valid?
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Here’s links to a collection of some of our other blog posts about the WIND MITIGATION FORM:
• Who can perform a wind mitigation inspection in Florida?
• What photos are required for a wind mitigation report (OIR-B1-1802) in Florida?
• How long does it take for 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?
• How do I get the hip roof discount for my homeowners windstorm insurance?
• Can I do my own wind mitigation inspection?
• 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)?
• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection?
• 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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