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Wind Mitigation Inspection

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Wind Mitigation Inspector

Wind Mitigation Process

A Wind Mitigation Inspection is often recommended by insurance companies for a qualifying reduction in premiums. It is also known as a hurricane inspection. It determines how susceptible a home is to hurricane force winds. It includes: Roofing, Attic Structure, Windows and Doors. All Wind Mitigation reports are required to use the form OIR-B1-1802 which is regulated by the state of Florida. The inspector will check the condition of the windows and doors while verifying their impact rating, if any. They will also inspect the roof system and construction in the attic. This report is normally acceptable for five years.

The Wind Mitigation requires a signature on the Wind Mitigation Inspection Agreement. An example of the agreement may be viewed below.

Commercial Wind Mitigation Inspections

We also offer commercial wind mitigation inspections for building type II (4 to 6 story) and type III (7 or more story). This inspection is required for either residential condominium unit owners or commercial residential applicants requesting mitigation credits in such buildings through carriers such as Citizens Property Insurance.

Impact Ratings

Impact vs non-impact

It is important to recognize that impact ratings are not determined by the inspector. They are issued by the Miami-Dade County Building department and product control whether or not the home is in Miami-Dade County. Impact ratings are also determined by the Florida Building Code. Whether you have impact windows/doors or approved shutters on all your openings, you qualify for the most significant discount on your insurance premium. It is not better to have impact windows over shutters as far as insurance goes. It is a matter of cost and convenience.

Kore Home Inspections Wind Mitigation Agreement

This Agreement is between the CLIENT whose name appears below and KORE HOME INSPECTIONS LLC to conduct a wind mitigation inspection at the Property at {{ADDRESS}}.

  1. Our fee for the inspection is {{PRICE}} payable after the inspection.  If there is no guest parking at the property location but a valet service. You agree to pay the full cost of the valet service when it is time to collect payment.
  2. The inspection will cover only the items listed on the Uniform Mitigation Verification Inspection form, which may be found at https://www.nachi.org/documents2012/Wind%20Mit/OIR-B1-1802eff02012012.pdf, and is not a full inspection and is not intended to inspect any component in the home except items for items on the form relating to stronger methods to resist wind load on the home in adverse conditions.  PLEASE REVIEW THAT FORM BEFORE YOU SIGN THIS AGREEMENT SO YOU WILL KNOW THE LIMITED SCOPE OF THE INSPECTION. 
  3. The purpose of this inspection is to determine if certain procedures have been performed on the home to help withstand adverse conditions. It is not an assurance that this home will be protected or whether it can withstand specific types of adverse conditions.  This limited inspection may help you qualify for a reduced insurance rate, but is not a guarantee.  By signing this Agreement you understand it is a limited inspection intended only to satisfy requirements of an insurance company. 

You also agree to the terms below.  Any third parties who rely on the report in any way also agree to all provisions in this Agreement.

  1. INSPECTOR’S inspection of the property and the report are in no way a guarantee or warranty, express or implied, regarding the future use, operability, habitability or suitability of the home/building or its components. All warranties, express or implied, including warranties of merchantability and fitness for a particular purpose, are expressly excluded to the fullest extent allowed by law.
  2. INSPECTOR assumes no liability for the cost of repair or replacement of unreported defects or deficiencies either current or arising in the future. CLIENT acknowledges that the liability of INSPECTOR, its agents and/or employees, for claims or damages, costs of defense or suit, attorney’s fees and expenses arising out of or related to the INSPECTOR’S negligence or breach of any obligation under this Agreement, including errors and omissions in the inspection or the report, shall be limited to liquidated damages in an amount equal to the fee paid to the INSPECTOR, and this liability shall be exclusive.  CLIENT waives any claim for consequential, exemplary, special or incidental damages or for the loss of the use of the home/building even if the CLIENT has been advised of the possibility of such damages. The parties acknowledge that the liquidated damages are not intended as a penalty but are intended (i) to reflect the fact that actual damages may be difficult and impractical to ascertain; (ii) to allocate risk among the INSPECTOR and CLIENT; and (iii) to enable the INSPECTOR to perform the inspection at the stated fee.
  3. INSPECTOR does not perform engineering, architectural, plumbing, or any other job function requiring an occupational license in the jurisdiction where the inspection is taking place.
  4. In the event of a claim against INSPECTOR, CLIENT agrees to supply INSPECTOR with the following: (1) written notification of adverse conditions within 14 days of discovery; and (2) access to the premises.  Failure to comply with the above conditions will release INSPECTOR and its agents from any and all obligations or liability of any kind.
  5. The parties agree that any litigation arising out of this Agreement shall be filed only in the Court having jurisdiction in the County in which the INSPECTOR has its principal place of business.  In the event that CLIENT fails to prove any claims against INSPECTOR in a court of law, CLIENT agrees to pay all legal costs, expenses and fees of INSPECTOR in defending said claims.  CLIENT further understands that any legal action against InterNACHI itself allegedly arising out of this Agreement or INSPECTOR’s relationship with InterNACHI must be brought only in the District Court of Boulder County, Colorado.  No such action may be filed unless the Client has first provided InterNACHI with 30 days’ written notice of the nature of the claim.  In any action against INSPECTOR and/or InterNACHI, CLIENT waives trial by jury.
  6. If any court declares any provision of this Agreement invalid, the remaining provisions will remain in effect.  This Agreement represents the entire agreement between the parties.  All prior communications are merged into this Agreement, and there are no terms or conditions other than those set forth herein.  No statement or promise of INSPECTOR or its agents shall be binding unless reduced to writing and signed by INSPECTOR.  No change shall be enforceable against any party unless it is in writing and signed by the parties.  This Agreement shall be binding upon and enforceable by the parties and their heirs, executors, administrators, successors and assignees.  CLIENT shall have no cause of action against INSPECTOR after one year from the date of the inspection.
  7. Should any provision of this Agreement require judicial interpretation, the Court shall not apply a presumption that the term shall be more strictly construed against one party or the other by reason of the rule of construction that a document is to be construed more strictly against the party who prepared it.

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