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What happens to my Florida wind mitigation insurance discount for hurricane shutters/windows if even just one opening is not protected?

Thursday, July 8, 2021

All exterior openings must be protected from wind-blown debris by windows, shutters, or other code-approved devices to get the “Opening Protection” discount on the Florida Wind Mitigation form OIR-B1-1802. Unfortunately, If even just one is not compliant, you don’t get Discount #7 for "Opening Protection."

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

 Who can perform a wind mitigation inspection in Florida?

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

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

• What is checked during a wind mitigation inspection?  

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? 

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?   

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

• How long does a wind mitigation inspection remain valid? 

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)? 

• Can I get a wind mitigation inspection for a mobile home? 

Can I get a wind mitigation inspection for a modular home?

• Why didn't I get the hip roof discount on my wind mitigation inspection? 

What does toe nailing mean?

• Is it worth it to upgrade my roof tie-down hurricane straps for a better wind mitigation insurance discount? 

Why didn’t I get an insurance discount for my new hurricane-resistant windows on my wind mitigation inspection?

• When did Florida start requiring re-nailing of roof deck sheathing for a roof replacement?

•  How can I get a better wind mitigation report and reduce the cost of my windstorm insurance in Florida?

• What would cause a roof to fail the wind mitigation inspection? 

Can I get wind mitigation inspection discounts on my commercial building insurance in Florida? 

• What is Secondary Water Resistance (SWR) for the Florida wind mitigation inspection form? 

What types of documentation/proof of roof covering age are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

• What types of documentation/proof of roof-deck attachment are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

• What types of documentation/proof of roof-to-wall connection are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

What types of documentation/proof of roof geometry (shape) are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

• What types of documentation/proof of secondary water resistance (SWR) are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

What types of documentation/proof of opening protection are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

• What types of documentation/proof of year built of home are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

What types of documentation/proof are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

Does hurricane shutter installation require a building permit in Florida?

     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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