Understand Your Wind Mit

Before We Break Down the Form

Before reviewing the individual sections, it helps to understand how wind mitigation works.

A wind mitigation inspection doesn’t evaluate whether a home is “good” or “bad,” and it doesn’t require repairs. It documents specific construction features that may qualify for insurance credits based on current underwriting guidelines.

Some homes qualify for credits, others don’t, and many fall somewhere in between. That doesn’t mean anything is wrong — it simply reflects how the home was built or last updated.

The sections below explain what each part of the form documents and why it’s included.

Property Information (Top of the Form)

This section identifies the property being inspected.

The year of the home is typically verified through county property appraiser records.

The number of stories is based on how the structure is classified, which can differ from how a home is commonly described. In some older homes, a basement level may be counted as an additional story.

Notes and photos may be referenced to show how information was verified. Photos included later in the report document what was observed during the inspection and are provided as supporting evidence for the insurance company.

Building Code (Permit Application Date)

This section is based on the date the original building permit for the home was applied for.

A.
This box is checked when the original building permit application date for the home is March 1, 2002 or later. This means the home is treated as being built under the standard Florida Building Code for wind mitigation purposes.

B.
This box applies to HVHZ (High-Velocity Hurricane Zone) only, which includes Miami-Dade and Broward counties. It is checked when the original building permit application date is September 1, 1994 or later, reflecting the hurricane-specific building code used in those areas.

C.
This box is checked when the home does not have a qualifying building permit application date that meets the requirements for A or B, or when the permit application date cannot be confirmed.