Insurance form
Wind mitigation
A new roof can improve some lines on the form. It does not fill in the lines nobody opened the attic to see.
Florida insurers use a uniform mitigation verification form — often still called the 1802 — to credit features that help a house stay together in wind. The credit is a filing between you and the insurer. A roofing company does not get to invent the percentage.
The lines that matter
- Roof geometry, especially hip versus gable
- Roof covering and how old the permitted system is
- Roof deck attachment
- Roof-to-wall connection
- Secondary water resistance
- Opening protection on windows and doors
A reroof can change the covering, the deck nailing if the deck is exposed and re-nailed, and secondary water resistance if a sealed system goes down. It does not, by itself, add clips or wraps at the wall. Those are structural. Opening protection is shutters or impact glass, a different trade.
Use the estimator, then the inspector
The wind calculator is a teaching tool. It turns your answers into a strong, middle, or thin band and, if you type your premium, an illustrative dollar range. Your carrier’s filing and your territory decide the real credit. After a reroof, ask for a new inspection. The old form still describes the old roof.
Read the longer version in what a wind mitigation inspection is worth.