Report Discrepancies
If you have received a wind mitigation inspection report, either from a carrier requested re-inspection program, from an inspector you paid to conduct an inspection as a result of a change in insurance policy, or a new policy you are about to undertake and are concerned as to the accuracy or findings on this report, here are the options available to you.
  • Report your concern – discrepancy
  • Conduct mitigation upgrades to maximize your credits/discount
  • Accept your inspection reports as accurate
 
Report Discrepancy
You can report your concerns or any discrepancies you can see with the report by Clicking Here and following the instructions. Once submitted, your report discrepancy can be tracked and you will receive a response within 24-48 hours from the inspection company who completed the inspection.
If you are part of an insurance carrier re-inspection program for wind mitigation hazards, 4-Point or other program, and you are not in agreement with the independent findings of this report, you must adhere to the following process in order to ensure that your discrepancy is resolved in the most efficient and timely manner.
Click Here to register an inspection report discrepancy issue.
 
Roof – Florida Building Code Compliance
If the inspector was unable to verify that your roof met the required Florida Building Code, you must provide as many of the following documents as possible for your file to be reviewed.
  • The actual building permit and confirmation of building code inspection process.
  • The completed Roofing Compliance Affidavit that is found in the Forms section of this website.
  • Any other relevant data to verify that your roof does in fact meet the required code.
Once this documentation is in hand, please Click Here and complete the necessary online registration form and your discrepancy will be recorded and responded to within 48 hours of receipt. Please note that additional inspections may be needed by either Inspection Depot, Inc. or the Inspection Management Company, depending on the information provided.
 
Roof Deck Nailing
If the inspector could not verify that your roof deck nailing met the required Florida Building Code you must provide at least one of the following documents for your file to be reviewed.
  • The actual building permit and confirmation of inspection process showing roof deck re-nailing.
  • The completed Roofing Compliance Affidavit that is found in the Forms section of this website.
  • Original Roof re-nailing affidavit. (Used for original building permit.)
  • D. Any other relevant data to verify that your roof does in fact meet the level of uplift resistance in dispute.
Please note that if your home or building is in a High Velocity Hurricane Zone (HVHZ) and your roof covering was found to meet the required building code, that this is not confirmation that your roof deck was re-nailed appropriately in accordance with those codes. The Building and Zoning Department was not required to inspect roof deck nailing during the re-roof process in these areas during some years. Under the code, roofers are required to complete a roof re-nailing affidavit only if this process was conducted. Click Here to register your report discrepancy.
 
Secondary Water Resistance Discrepancy
In order for inspectors to verify that an approved form of Secondary Water Resistance is in fact present, documentation must be provided by the homeowner/policyholder in the form of photographs or a certified letter from the roofer to confirm that the Secondary Water Resistance was in fact present. Alternately, the roofer could complete and return a Roofing Compliance Affidavit that is found in the Forms section of this website.
Please be aware that the only forms of Secondary Water Resistance that are approved forms for Wind Mitigation credit on the 1802 form are:
  • Self Adhering Polymer Modified Bitumen Underlayment on the exterior side of the roof sheathing (Peel and Stick) along all joints.
  • Spray Foam Secondary Water Resistance Barrier throughout all joints (not spray foam insulation) on the interior of the attic.
Unfortunately, not all forms of Florida Building Code Approved Secondary Water Resistant materials are acceptable on the OIR 1802 wind mitigation form including:
 All “hot mopped” felt applications.  Cap sheets or other materials used underneath tile roofs.
If you are requesting your inspection report be reviewed based on the removal of a Secondary Water Resistance credit, please Click Here and provide all additional information as needed.
 
Opening Protection Discrepancy – Garage Door
If your Opening Protection rating has been removed because of the inspector not being able to verify the rating of your garage door, please obtain at least one (1) the following documents or confirmation then Click Here to file a discrepancy on your opening protection:
  • Manufacturers’ specifications that verify impact rating and testing procedures for:
    • Large Missile Impact rated (MDC PA 201, 202, & 203 OR FBC TAS 201, 202, & 203 OR ASTM E 1886 & ASTM E 1996)
    • Small Missile Impact rated (MDC PA 201, 202, & 203 OR FBC TAS 201, 202, & 203 OR ASTM E 1886 & ASTM E 1996 OR SSTD 12)
  • Notice of Acceptance from Miami-Dade County website.
  • Opening Protection Affidavit, that is found in the Forms section of this website completed.
 
Opening Protection Discrepancy – Egress Door(s)
If your Opening Protection rating has been removed because of the inspector not being able to verify the rating of your egress door(s), please obtain one (1) the following documents or confirmation for EACH discrepancy then Click Here to file a discrepancy on your opening protection:
  • Manufacturers’ specifications that verify impact rating and testing procedures for:
    • Large Missile Impact rated (MDC PA 201, 202, & 203 OR FBC TAS 201, 202, & 203 OR ASTM E 1886 & ASTM E 1996)
    • Small Missile Impact rated (MDC PA 201, 202, & 203 OR FBC TAS 201, 202, & 203 OR ASTM E 1886 & ASTM E 1996 OR SSTD 12)
  • Notice of Acceptance from Miami-Dade County website.
  • Opening Protection Affidavit, that is found in the Forms section of this website completed.
 
Opening Protection Discrepancy – Other
If your Opening Protection rating has been removed because of the inspector not being able to verify the rating of any opening, please obtain one (1) the following documents or confirmation for EACH discrepancy item then Click Here to file a discrepancy on your opening protection:
  • Manufacturers’ specifications that verify impact rating and testing procedures for:
    • Large Missile Impact rated (MDC PA 201, 202, & 203 OR FBC TAS 201, 202, & 203 OR ASTM E 1886 & ASTM E 1996)
    • Small Missile Impact rated (MDC PA 201, 202, & 203 OR FBC TAS 201, 202, & 203 OR ASTM E 1886 & ASTM E 1996 OR SSTD 12)
  • Notice of Acceptance from Miami-Dade County website.
  • Opening Protection Affidavit, that is found in the Forms section of this website completed.
 
Mitigation Upgrade
If you are in agreement with the inspection report that was released, but want to make upgrades to your home to increase your mitigation discount, it is recommended that you contact a licensed company that will perform the mitigation upgrades. Following any upgrades that are conducted, a new inspection will need to be scheduled to verify that upgrades indeed do qualify you for increased mitigation discount.
If you conduct any mitigation upgrades please understand that these must be completed by licensed professionals/contractors and proper permitting receipts, documentation and all other relevant information including progress photographs, should be available to the inspector during the mitigation upgrade inspection.
The cost of this mitigation upgrade inspection is set by the inspection company who conducted the inspection but it is typically less than the original inspection fee.
Please make sure you review all the comments the inspector provided within the inspection comparison or report summary at the end of your initial report to ensure you will benefit from all the upgrades you undertake as part of a mitigation upgrade inspection. When ready, contact the Inspection Management Company to schedule.
Note: Some upgrades cannot be made, by no fault of the homeowner, and include; changing your roof geometry, improper re-nailing during re-roofing by the roofing contractor, non-applicable form of Secondary Water Resistance applied
Click here to request a mitigation upgrade inspection. Goes to contract u for now, goes to contact us for now, as I have added a query call MIT upgrade inspection on the list
 
Accept re-inspection report findings
There is no question that the benefits of mitigation upgrades are determined by the cost of the mitigation upgrade. If you are in agreement with the inspection report released and little or no benefit is derived from upgrading features of your building based on the upgrade cost, your mitigation credits will be removed or not approved as part of the underwriting process.
If mitigation upgrades are ever conducted in the future, please feel free to call the qualified inspection company or click here to revisit and qualify the new upgrades and adjust the report accordingly to maximize your insurance discounts and credits.