It is a form with a date
Sellers on the Space Coast hear “get a wind mit.” That usually means a licensed inspector fills out the statewide mitigation form so a carrier can apply credits that exist for that construction. The form is only as good as what the inspector can see and document. A photo of a pretty shingle line is not the form.
What the inspector is actually looking at
- Roof covering type and age as they can determine it.
- Roof deck attachment, when it is visible or documented.
- Roof-to-wall connections—clips, straps, wraps—if they can be seen at the eaves or from documentation.
- Openings protection: impact, shutters, or neither.
- Secondary water resistance and other items the current form actually asks.
If the attic is boarded over or the eaves are boxed, the inspector may have to mark “unknown.” Unknown is not a credit.
How this sits next to a listing
A current wind-mitigation report in the seller’s folder answers a question buyers’ insurers will ask anyway. An old report from a prior listing may not match the roof you have now. If the roof changed, the form is stale. Pair it with the older-roof sale conversation instead of treating them as one document.
Amanda’s part of the file
Amanda McKnight will not fill out the form or quote a discount. She will tell you to order it early enough that the insurance conversation is not still pending at the inspection deadline. Compass, Carpenter Kessel, license SL3511173. Call 904.599.1468.
What this is not
This is not an inspection, a premium, or a guarantee that a particular strap layout will be credited. The inspector’s report and the carrier’s underwriting rules decide that. Citizens and private carriers can read the same form differently.
Sources
Quick answers
Is a wind-mitigation inspection the same as a four-point?
No. A four-point looks at heating, electrical, plumbing, and roof condition for many carriers. Wind mitigation is the storm-construction form. Many Brevard files need both.
Who orders it?
Sellers often should, before the first serious showing. Buyers order it when the seller has nothing current. The inspector, not the REALTOR®, completes it.
Does a new Viera house still need one?
New construction still has a form. Builder documentation helps. Do not assume “new” means the carrier already has the credits on file.
Will Amanda tell me what my discount will be?
No. That is an insurance question on a completed form. She will help you time the inspection inside the deal.