Building code
Whether the home was permitted under the 2001 Florida Building Code or later. Newer code homes often earn a credit on their own.
Learn more
Permit dateSection 1 of the form
The inspections behind a lower insurance premium Tampa Bay Area
WMN Construction documents the wind mitigation, 4-point and roof details Florida insurers credit, signed by a residential contractor with 35 years in the trade.
See it in action
We help Tampa Bay area homeowners prove what their homes are built to withstand, and get credited for it.
Credits most homes already earn. Documented properly.
Roof-to-wall straps, deck nailing and a hip roof each reduce the windstorm portion of your premium. Without a current report, your insurer assumes none of them are there.
Attic
5
Years a single wind mitigation report stays valid
As long as nothing about the home changes, one inspection carries you through several renewals.
Form OIR-B1-1802
The seven things a wind mitigation inspection documents
Roof covering
The shingle, tile or metal on your roof and whether it was installed under a permit that meets current code.
Learn moreMaterial and permitSection 2 of the form
Roof deck attachment
How the plywood deck is fastened to the trusses. Nail size and spacing are verified from inside the attic.
Learn moreNail type and spacingSection 3 of the form
Roof-to-wall attachment
The connection that keeps the roof on in a storm. Toe nails, clips, single wraps and double wraps each rate differently.
Learn moreOften the largest creditSection 4 of the form
Roof geometry
Hip roofs slope on all four sides and shed wind better than gables. The share of hip, flat and other roof is measured.
Learn moreHip, flat or otherSection 5 of the form
Secondary water resistance
A sealed layer beneath the roof covering that limits water entry if shingles are lost in high wind.
Learn moreSWR present or notSection 6 of the form
Opening protection
Impact-rated windows, doors, garage doors and skylights, or approved shutters on every opening.
Learn moreWindows, doors, garageSection 7 of the form
All services
Three inspections that keep your coverage in place and your premium down.
Florida native
An inspection is only as reliable as the inspector's knowledge of how a house is built. Walter has spent 35 years building them.
WMN Construction is a residential contractor first. Walter knows what a properly fastened roof deck looks like from the attic, which straps are original and which were added later, and what an underwriter will question. That experience goes into every form he signs.
Walter Newman
President, WMN ConstructionA Florida native and residential contractor for 35 years.
35+
Years of residential construction behind every report Walter signs.
Why WMN
The reasons Tampa Bay area homeowners trust a builder with their inspection.
A contractor's eye
Reads framing, fasteners and roofing the way someone who installed them for 35 years does.
Insurer-ready forms
Completed on the official state forms, with supporting photos for each item, ready for your agent.
One visit, three reports
Wind mitigation, 4-point and roof certification completed in the same appointment.
Born and built here
A Florida native who knows the coastal conditions, the codes and the insurance market here.
Schedule your inspection and start saving.
What each report proves
What your insurer sees when Walter signs the form.
The home has documented wind-resistive features.
Each item is answered from what is actually in the attic, on the roof and at every opening, with photos to support it.
Wind mitigationForm OIR-B1-1802
Roof-to-wall connectionOften the largest credit
The roof is fastened the way the credit requires.
Deck nailing and roof-to-wall connections are verified in person, where the largest credits are usually found.
Roof deck and roof-to-wallSections 3 and 4
The four major systems are in insurable condition.
Roof, electrical, plumbing and HVAC are documented so an underwriter can write or renew coverage on an older home.
4-point inspectionFour systems, one report
Opening protectionWindows, doors, garage
The roof has years of service left.
Material, age, condition and remaining useful life are recorded before the carrier asks for them.
Roof certificationCondition and remaining life
Roof geometryHip roofs shed wind best
Frequently asked questions
Everything you need to know about your inspection and how it lowers your premium
What is a wind mitigation inspection?
A visual inspection of the features that help a home resist hurricane-force wind, recorded on Florida's Uniform Mitigation Verification Inspection Form (OIR-B1-1802). It covers the building code, roof covering, roof deck attachment, roof-to-wall attachment, roof geometry, secondary water resistance and opening protection.
How does it lower my insurance?
Florida law requires insurers to offer discounts or credits for construction features that reduce wind loss. The report proves which of them your home has. Savings depend on the home and the carrier, and apply to the windstorm portion of the premium.
How long is a wind mitigation report valid?
Up to five years from the inspection date, as long as nothing changes that would affect the answers, such as a new roof or new windows. If you replace the roof, a new report can earn new credits.
Do I need a 4-point inspection?
Many insurers require one to write or renew a policy on an older home, commonly around 30 years old or more. It covers the roof, electrical, plumbing and HVAC. Your agent can confirm what your carrier needs.
What is a roof certification?
A report on the roof's covering, age, condition and estimated remaining useful life. Carriers often request one for older roofs, and buyers and sellers use it during a sale.
Do I need to be home for the inspection?
Someone needs to provide access to the home, including the attic and garage, since several items can only be verified from inside.