Home’s Age In Wind Mitigation Is Important!

The Year Of Your Home’s Construction Is Important In A Wind Mitigation

In 2001 the State of Florida adopted the 2001 Florida Building code.  This code set forth more stringent requirements for the construction of a new home to withstand a hurricane. This new building code became effective on March 1, 2002 for any home that had a building permit issued after that date.

 

Florida Uniform Wind Mitigation Inspection Form

The State of Florida created the Uniform Wind Mitigation Inspection Form. The inspector performing your wind mitigation completes this form. Insurance companies use this form to provide the consumer with discounts on their insurance premiums. This is based on the ability of the home to withstand a hurricane.

 

A Wind Mitigation Inspector evaluates seven different components of your house during the Wind Mitigation Inspection. We have reviewed these components in a previous article. (What Is A Wind Mitigation and Why Do You NEED It).The first component of the Uniform Wind Mitigation Inspection form asks the inspector to record the building date of the house. For home’s built in 2002 or 2003 the inspector must provide the building permit issue date for the home’s construction.

 

 

Image from NACHI of a diagram showing the different parts of a wind mitigation.

NACHI – Florida Wind Mitigation

 

Why Is The Building Permit Date Important?

The first thing a Wind Mitigation Inspector should do when performing a Wind Mitigation Inspection is to determine the year the house was built.  This is done by checking the building permits in the town or county to see when the building permit was issued for the construction of the house.  The construction completed date and the Certificate of Occupancy date is not critical for a Wind Mitigation Inspection.  Therefore the issue date of the permit has the most importance for the inspection.

Discount Determined By Year Building Permit Issued

When answering section one of the Wind Mitigation Inspection form the critical issue is on what date was the building permit for the construction of the house issued.  For permits issued after March 1, 2002 the house would have been constructed pursuant to the 2001 Florida Building Code. You should receive a reduction of your hurricane insurance premium. Furthermore section one of the wind mitigation form treats all house construction permits issued after this date equally. This is not true for all of the other sections of the Wind Mitigation Inspection form.

 

The new 2001 Florida building Code required the use of better materials for certain components of the home.   Homes built under the 2001 Building Code are more likely to withstand a hurricane. That is why the permit date is important in the Wind Mitigation Inspection Report.

 

Any house constructed under a building permit issued before March 1, 2002, the effective date of the 2001 Florida Building Code, pays a higher insurance premium than a house constructed under a permit issued after March 1, 2002.

 

A State Licensed Wind Mitigation Inspector must conduct your Wind Mitigation Inspection. For twenty years Slab-2-Shingles, located in Naples Florida, has been doing home and wind mitigation inspections. Licensed in the State of Florida and Slab-2-Shingles services Naples, Marco Island, Bonita Springs and Estero. Slab-2-Shingles has performed thousands of these inspections.

 

In conclusion the construction date of your home plays an important factor in your wind mitigation inspection. Also, the construction date affects your hurricane insurance rate.