Insurance

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What is a Wind Mitigation Inspection?

The ‘Wind Mitigation Verification Form” is unique to Florida and allows for flood insurance discounts or credits when a house has taken steps to minimize storm damage.  It is a voluntary program but must be accepted by the insurance underwriter when submitted.  The discounts, if eligible, are good for up to five years and the discounts can be significant.

In order for a homeowner or homebuyer to qualify, a Wind Mitigation Form must be completed by a recognized professional who follows a protocol by filling out the form with appropriate pictures.

These are some of the areas the Wind Form addresses:

Enhanced roof strength  Wall-to-floor-to-foundation strength     Roof-to-wall strength

Roof covering performance  Opening protection   Window, door, and skylight strength.

The following dwellings are eligible for a discount:  single-family homes, condominium units, condominium buildings

 

What is a 4-Point Inspection?

A 4-Point inspection is usually mandatory and requested by the insurance underwriter when a house is more than 20, 30, or 50 years old; depending on the underwriter.  A 4-Point utilizes an insurance form to evaluate certain components of a building to determine if they are acceptable to the underwriter before a policy is written, when a house is being purchased or the insurance renewed.

A 4-Point Form is not the same thing as a home inspection and the two should not be confused.  4-Point Inspection is usually conducted in combination with a home inspection or it may be done independently.