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Thread: Wind Mitigation

  1. #1
    Join Date
    Mar 2010
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    Ocala Florida
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    Default Wind Mitigation

    Didn't know where to put this but..... On what types of buildings can you receive wind mitigation discounts on? I have a 3124 sq ft medical office that I'd like to do one for the customer but only if the insurance companies accept commercial buildings. The building itself is a stand alone structure with gable roof and shingles. Its pretty much constructed the same as a typical home. Thanks, Mark

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  2. #2
    Join Date
    Mar 2007
    Location
    Ormond Beach, Florida
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    Default Re: Wind Mitigation

    (bold and underlining are mine)
    627.711 Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form. ?
    (1) Using a form prescribed by the Office of Insurance Regulation, the insurer shall clearly notify the applicant or policyholder of any personal lines residential property insurance policy, at the time of the issuance of the policy and at each renewal, of the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm can be or have been installed or implemented. (continues with blah, blah, blah)

    Jerry Peck
    Construction Litigation Consultant ( www.ConstructionLitigationConsultants.com )
    www.AskCodeMan.com

  3. #3
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    Mar 2010
    Location
    Ocala Florida
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    130

    Default Re: Wind Mitigation

    Quote Originally Posted by Jerry Peck View Post
    (bold and underlining are mine)
    627.711 Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form. ?
    (1) Using a form prescribed by the Office of Insurance Regulation, the insurer shall clearly notify the applicant or policyholder of any personal lines residential property insurance policy, at the time of the issuance of the policy and at each renewal, of the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm can be or have been installed or implemented. (continues with blah, blah, blah)
    So I'm taking it as a no go for a commercial property?


  4. #4
    Join Date
    Mar 2007
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    Default Re: Wind Mitigation

    Hopefully, Dom or someone else from Florida will confirm, but that's the way I read it.

    Jerry Peck
    Construction Litigation Consultant ( www.ConstructionLitigationConsultants.com )
    www.AskCodeMan.com

  5. #5
    Join Date
    Mar 2007
    Location
    Orlando, FL
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    1,476

    Default Re: Wind Mitigation

    Uniform Mitigation Verification Form OIR B1-1802 is for Residential properties only.

    For Personal Residential condominium unit owners or Commercial Residential there is a separate form MIT-BT II & III, for Type II (4 to 6 story) or Type III (7 or more story) building.
    This form must be completed by:

    General or building contractor
    Building code inspector
    Professional architect
    Professional engineer

    For Commercial Non-residential, there is:
    Commercial Windstorm Protective Device Proof of Compliance (Form WPD-1C), which is shutters or opening protection only.
    This form must be completed by:

    General or building contractor,
    Professional engineer,
    Professional architect,
    Building code inspector


  6. #6
    Join Date
    Mar 2010
    Location
    Ocala Florida
    Posts
    130

    Default Re: Wind Mitigation

    Quote Originally Posted by Dom D'Agostino View Post
    Uniform Mitigation Verification Form OIR B1-1802 is for Residential properties only.

    For Personal Residential condominium unit owners or Commercial Residential there is a separate form MIT-BT II & III, for Type II (4 to 6 story) or Type III (7 or more story) building.
    This form must be completed by:

    General or building contractor
    Building code inspector
    Professional architect
    Professional engineer

    For Commercial Non-residential, there is:
    Commercial Windstorm Protective Device Proof of Compliance (Form WPD-1C), which is shutters or opening protection only.
    This form must be completed by:

    General or building contractor,
    Professional engineer,
    Professional architect,
    Building code inspector
    Hey, thanks everyone, very helpful.


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