What Steve documents
- Roof covering type and permit date
- Roof deck attachment (how the decking is nailed down)
- Roof to wall attachment (clips, straps, wraps)
- Roof shape (hip roofs often earn more credit)
- Secondary water resistance
- Opening protection (shutters and impact rated windows and doors)
The official form
Your results are recorded on the state's Uniform Mitigation Verification Inspection Form (OIR-B1-1802), the form insurance companies use to apply discounts. A completed form is generally valid for up to five years as long as nothing on the home changes.
Is it worth it?
For many homes, especially newer ones or homes with a hip roof, straps and impact protection, the insurance savings can cover the cost of the inspection in the first year. Ask your agent what credits your policy offers, then let Steve document them.
