The wind storm mitigation discount is is determined by the year the building permit was issued
When answering section one of the Wind Mitigation Inspection form the critical issue is on what date was the building permit for the construction of the house issued. For permits issued after March 1, 2002 the house would have been constructed pursuant to the 2001 Florida Building Code. You should receive a reduction of your hurricane insurance premium. Furthermore section one of the wind mitigation form treats all house construction permits issued after this date equally. This is not true for all of the other sections of the Wind Mitigation Inspection form.
The new 2001 Florida building Code required the use of better materials for certain components of the home. Homes built under the 2001 Building Code are more likely to withstand a hurricane. That is why the permit date is important in the Wind Mitigation Inspection Report.
Any house constructed under a building permit issued BEFOR March 1, 2002, the effective date of the 2001 Florida Building Code, pays a higher insurance premium than a house constructed under a permit issued after March 1, 2002.
