The Department of Insurance Regulation is requiring that a new WIND MITIGATION FORM start being used in EARLY
2012 making it harder to get STATE MANDATED discounts for hurricane protection to your home.
NEW 1802 WIND MITIGATION FORM STARTS FEBUARY 1, 2012. PRICING FOR THE NEW FORM IS
STAYING AT THE CURRENT LEVELS.
law statute 627.0629 requires insurance
companies to give home owners unprecedented
discounts on the wind and hurricane
portion of their policy. A "WINDSTORM MITIGATION INSPECTION" is required to get these deductions.
Wind Mitigation Inspection Features that will get you deductions are:
- Roof Covering: Common types include shingles, clay tiles, metal, and built-up tar and gravel. This feature must meet or be equivalent to the Florida Building Code.
- Roof Deck Attachments: The method used to connect the roof decking (plywood, metal panels, etc.) to the roof trusses or rafters.
- Secondary Water Resistance: Material applied to the roof covering to prevent water from intruding into the structure.
- Opening Protection: Wind-borne debris protection devices installed to protect structure openings (windows, skylights, doors, etc.).
- Roof-to-Wall Attachment: The method used to connect the roof trusses or rafters to the walls of the structure.
- Roof Shape: Common roof shapes include hip, gable or flat.