What Are Florida Wind Mitigation Requirements?


What is Wind Mitigation?

The Florida Uniform wind mitigation inspection Orlando fl Report is also known as the Florida Uniform Wind Mitigation Form . It is a standard form with 7 questions. Based on the information you provide, each question can give you a chance at a discount on homeowner’s insurance.

There are no code or requirements. Each one of these discounts is available to you.

How Can You Maximize The Florida Wind Mitigation Requirements/Discounts?

Understanding each question will help you understand how to maximize discounts. Let’s take a look at each question and see what we can do to maximize our discount.

Florida Building Code

The first question is on Florida Building Code. It asks if your home application permit was pulled later than March 1, 2002. This means that your house was constructed after March 1, 2002.

This discount is not available to homes built after March 1, 2002.

Florida Roof Code

The permit application must be on the roof. This discount is available if you have a roof permit application that was submitted after March 1, 2002.

This discount can be quite significant. If you don’t qualify, you can buy a new roof or have wind mitigation performed.

Roof Decking Attachment

Your roof decking attachment attaches to your trusses. Most roofs have the highest discounts.

Older roofs may not be eligible. This would be due to shorter nails spaced further apart. To qualify for a greater discount, the roof must be replaced.

A home inspector is required to locate your roof deck attachment. For additional information, you can also visit the links below.

Attachment Roof to Wall

This is how your roof connects to your exterior walls. Clips, single wraps and structural attachments offer the greatest discounts. Double wraps are also available.

This section explains the most popular clips that are eligible for a discount. You will not be eligible for a discount if your home has “toenails”. Retrofitting is required to qualify. Toenails are a common feature in older homes, especially those built before 1980.

Roof Geometry

Without large investments, your roof geometry cannot change. However, to qualify for this discount, your home must be more than 90% Hip shape. To determine the percentage, home inspectors measure the perimeters of all roof shapes.

The Hip roof features a sloped roof that slopes towards the eaves, rather than a flat or peak. These images will show you the difference.

Secondary Water Resistance (SWR).

Roof installations must have a secondary barrier to water, but not a resistive barrier.

Secondary water resistance (SWR), is a peel-and-stick layer that adheres to your roof decking. SWR can also waterproof holes that are driven through shingle nails.

Ask your roofer or a home inspector to determine if you have an SWR. To receive the discount, you must replace your roof if you don’t have an SWR.

Protect yourself

This discount category is often misunderstood. All windows must have an impact-rated shutter, or the window must also be impact-rated to receive this discount. This applies to window inserts in garage doors and sliding glass doors.

Important Note: It is mandatory to include the words “Large Missle Impairment Rated” in your documentation. The discount is not allowed for windows that do not have documentation.

If all windows and doors, including garage doors, are covered by a shutter or impact rated, you can be eligible for a discount at the first tier. All shutters must have documentation and be impact rated.

Summarizing It

Wind mitigation can be complicated to comprehend. It can be confusing for contractors. Waypoint understands the wind inspection well enough to help you save on your Tampa Bay Area home insurance.



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