As if we needed another issue to deal with in the FL Home Insurance market, the state has now issued a new FL Wind Mitigation Inspection form for 2012 (2/1/2012 to be exact). Most admitted carriers will require this new form for all new policies beginning February 1st, and may also start requiring re-inspections on existing policies to utilizing the standards as set forth in the new form.  We hope to get more info passed along from FL on this towards the end of January.

At this time, we still are not sure how long the old carriers will accept the old form.We do know that Citizens (who our agency only uses as a last resort) will begin requiring the new FL Wind Mitigation Inspection 2012 form immediately on February 1st.  If you have an older form, this could result in discrepancies.  It’s not all bad news though... Some homeowners may actually benefit from the new 2012 FL Wind Mitigation Inspection form.  

We anticipate that a home that had a single wrap roof to wall connection credit and had previously been downgraded due to number of nails will benefit under the new form.  Also homes that have had a new roof installed after the 2002 building code, but can’t locate a permit to verify the new roof in the past weren’t allowed to get the FBC 2001 building credit, but now, if the customer can obtain documentation regarding the roof covering (for example, a letter from the roofer listing material used), this credit should be allowed to be added.  Some homeowners will of course be negatively impacted as well by the new FL Wind Mitigation Inspection 2012.  

Older homes with clip (roof to wall) connections will lose this credit if the clips have less than 3 nails.  We’ve already began seeing this on the companies we work with who are doing wind mitigation re-inspections.  We do know that there are much stricter photo requirements (quality and quantity) to document the credits given.  This is a GOOD thing for everyone, so that those customers who deserve the credits get them, and those who do not, don’t.  It also is good that most of the subjectivity has been taken out of the reports and it is now very specific on what qualifies for a discount and what does not.