Florida law requires insurers to offer discounts for features that reduce hurricane wind damage. The Uniform Mitigation Verification Inspection Form (OIR-B1-1802) documents those features — and most of them are on your roof.
1) Building code year, 2) roof covering and permit date, 3) roof deck attachment (nail size and spacing), 4) roof-to-wall attachment (toe nails, clips, single or double wraps), 5) roof geometry (hip roofs score best), 6) secondary water resistance, 7) opening protection (shutters, impact windows).
A permitted re-roof updates the roof-covering date, re-nails the deck to current code (8d ring-shank at 6 inches) and adds a sealed secondary water barrier. Those three items alone are often the difference between a weak and a strong report.
Wind mitigation forms must be signed by a qualified inspector — typically a licensed home inspector, building contractor, engineer or architect. Reports are generally accepted for five years. Matata provides the permit, nailing and underlayment documentation your inspector needs.
Savings vary widely by carrier, county and home. Many Florida homeowners see a meaningful reduction in the wind portion of their premium once deck attachment, roof-to-wall connections and secondary water resistance are documented. Ask your agent to re-rate the policy after a new inspection.
A Florida inspection on form OIR-B1-1802 that documents hurricane-resistant features — roof covering, deck attachment, roof-to-wall connections, roof shape, secondary water resistance and opening protection — so your insurer can apply required discounts.
Yes. A new roof changes the roof-covering date and usually improves deck attachment and secondary water resistance. Get a fresh inspection and send it to your agent.
Generally five years, as long as the home has not been materially changed.
Yes. Hip roofs (sloping on all sides) handle wind better than gable roofs and score higher on the roof-geometry item.
Hurricane Roofing Center · (321) 444-5191 · FL CCC1337212