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Wind Mitigation Form

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WIND MITIGATION FORM

Parties and Property

Parcel / Identifier:   Inspection Date:   Permit Number (if applicable):

Recitals

WHEREAS, Contractor represents that Contractor is qualified and licensed to perform wind mitigation inspections and the related installation or corrective work described in this document; and

WHEREAS, Owner desires the Contractor to perform a wind mitigation inspection of the Property and, where applicable, to perform mitigation work in accordance with the Scope of Work and Payment Terms set forth below; and

WHEREAS, the Parties intend that this Wind Mitigation Form memorialize inspection findings, recommended mitigation measures, and the contractual terms under which any resulting work will be performed.

Scope of Work

Inspection Findings and Mitigation Measures

Roof Covering Type:

Observed Mitigation Features (check all that apply):

Roof deck attachment meets current code or tested uplift resistance
Secondary water barrier present at eaves/rakes
Gable end bracing installed and reinforced
Opening protection (impact-rated windows/doors or shutters) present
Garage door reinforced or protected
Hurricane straps or ties at rafters/trusses

Inspector Information and Certification

The undersigned Inspector certifies that, to the best of the Inspector's knowledge and professional judgment, the statements and checkboxes in this report accurately reflect the conditions observed at the time of inspection. This inspection reflects conditions visible and accessible; this report is not a guarantee against future wind damage and does not supplant required permits or code compliance for corrective work.

Recommendations

Payment Terms

Total Agreed Amount: $   Payment Schedule:

Payment Due Date:   Late Fee:

All invoices are payable in U.S. dollars. If work is halted for nonpayment beyond the cure period, Contractor may suspend performance until payment is made and Owner shall remain liable for accrued costs and fees.

Term and Termination

Commencement Date:   Estimated Completion Date:

Either Party may terminate this Agreement for material breach if the breaching Party fails to cure such breach within days after written notice. Termination shall not relieve the Owner of obligation to pay for work performed prior to termination.

Confidentiality

The Parties agree that any proprietary inspection methodologies, cost estimates, repair drawings, and nonpublic business information disclosed in connection with this Agreement shall be held in confidence and shall not be disclosed to third parties except as required by law or necessary for permit approvals and contract performance. Confidential materials may be disclosed to reinsurers or insurers under a written confidentiality obligation.

Owner acknowledges that inspection reports may be shared with insurance carriers at Owner's direction. Contractor shall not be responsible for coverage determinations made by third-party insurers.

Limitation of Liability

Except for willful misconduct or gross negligence, Contractor's liability for claims arising out of the inspection or work performed under this Agreement shall be limited to direct damages not to exceed the total fees paid to Contractor under this Agreement. In no event shall Contractor be liable for consequential, special, exemplary, or punitive damages.

Governing Law; Entire Agreement

This Agreement shall be governed by and construed in accordance with the laws of the state of without regard to its conflict of law principals.

This document constitutes the entire agreement between the Parties with respect to wind mitigation inspection and the specified mitigation work. Any amendments must be in writing and signed by both Parties.

By signing below, Owner and Contractor acknowledge that they have read, understand, and agree to the terms, conditions, recommendations, and limitations set forth in this Wind Mitigation Form.

Contractor - Printed Name:

By:

Date:

Owner - Printed Name:

By:

Date:

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What the Wind Mitigation Form Is and when it's used

A Wind Mitigation Form documents construction features and protective measures that reduce wind-related damage to a property, typically including roof construction, roof-to-wall connections, opening protections, and secondary water resistance. Insurers, mortgage underwriters, and property owners use the completed form to evaluate risk, determine eligibility for premium credits or discounts, and support post-loss claims. The form is usually completed by a qualified inspector or licensed contractor who records observations, attaches photographs, and certifies findings according to insurer or state formats.

Why completing the Wind Mitigation Form matters

A correctly completed Wind Mitigation Form can lower insurance premiums, speed underwriting, and provide documented evidence of protective measures for claims. It also creates an official inspection record that supports resale disclosure and risk management.

Why completing the Wind Mitigation Form matters

Who commonly completes and relies on the Wind Mitigation Form

These are the primary roles involved in preparing, signing, and using the Wind Mitigation Form.

  • Licensed inspector or contractor: Provides technical inspection, documents structural details, and signs the certification for insurer acceptance.
  • Homeowner or property manager: Supplies property access, historical maintenance data, and signs where required to confirm accuracy.
  • Insurance agent or underwriter: Reviews the form to apply discounts, confirm policy eligibility, and maintain underwriting records.

Different stakeholders rely on the form for discounts, claims support, and compliance with insurer or lender requirements.

Typical signers and their responsibilities

Certified Inspector

A licensed inspector, roofer, or engineer who examines roof structure, roof attachments, and opening protections, records findings, and signs the certification. Their signature establishes attribution and technical credibility for insurer review and potential premium adjustments.

Property Owner/Agent

The owner or authorized agent provides access, confirms site facts, supplies documentation like prior permits or roof receipts, and signs where the form asks for owner attestation or consent to share the inspection with insurers.

What a professional Wind Mitigation Form should include

A complete form combines inspection detail, verification, and supporting evidence so insurers can assess reduced wind risk and apply credits. Accuracy and supporting photos are essential.

Inspection Checklist

A structured list covering roof shape, roof covering, roof deck attachment, roof-to-wall connection, wall construction, and opening protection to ensure consistent evaluation across properties.

Roof Details

Clear entries for roof covering type, roof age, decking material, and number/type of attachments, since these factors strongly influence wind performance and premium calculations.

Connection Evidence

Documentation of roof-to-wall connection (clips, straps, or nailed) and any reinforcements, with notes about observed fasteners and installation quality.

Opening Protection

Assessment of windows, doors, and garage door protection (shutters, impact-rated glazing) that reduce breach risk during wind events.

Photographic Attachment

Time-stamped photos of key features (roof nailing, connectors, opening protection) to corroborate inspection findings and reduce disputes with underwriters.

Inspector Certification

Signed certification block with inspector name, license number, company, and date to provide attribution and an audit trail for underwriting and claims.

Required information commonly found on the form

Property Address: Full street address
Year Built: Construction year
Roof Covering: Material type
Roof Attachment: Connector type
Opening Protection: Type present
Inspector Info: Name and license

Step-by-step: completing a Wind Mitigation Form

Follow these steps to run a consistent inspection, record findings, and submit the form for insurer consideration.

  • 01
    Schedule Inspection: Arrange access and confirm who will be present.
  • 02
    Perform Walkthrough: Inspect roof, openings, and connections, take photos.
  • 03
    Complete Form: Enter observations and required fields precisely.
  • 04
    Certify and Send: Sign, attach photos, and submit to insurer or agent.

How to configure an online Wind Mitigation workflow

Set up fields, required attachments, and signer roles to reduce follow-ups and ensure a complete submission.

Field Configuration
Inspector Signature Required | Date field auto-populates
Photo Attachments Make mandatory for specific sections
Policy Number Optional for internal tracking
Routing Send to agent then insurer inbox

Where to send the completed Wind Mitigation Form

After certification, route the form according to the recipient's preferred intake method to ensure timely credit or underwriting review.

  • Submit to Insurer: Upload to insurer portal or email agent contact.
  • Provide to Agent: Give agent a signed copy for policy file.
  • Attach to Application: Include with new or renewal submissions.
  • Retain Local Copy: Keep a signed PDF for property records.

Digital signing and technical requirements

Digital workflows should support PDF and DOCX upload, image attachments, basic form fields, and a verifiable audit trail.

  • File Formats: PDF and Word (DOCX) supported
  • Attachments: Photos (JPEG/PNG) and PDFs accepted
  • Integrations: Works with common CRMs and storage

Choose a platform that produces a tamper-evident PDF with an audit trail, supports mobile photo uploads, and integrates with agent or insurer portals for automated routing.

Timing considerations and typical submission windows

Insurers and lenders set different deadlines for accepting Wind Mitigation Forms; follow the policy or underwriting instructions and retain proof of timely submission.

At New Business:

Submit with application if requested by underwriter

At Renewal:

Many insurers accept forms at renewal to apply credits

Post-Repair:

Submit after qualifying repairs or upgrades are complete

Insurer Follow-Up:

Respond to requests for clarification within insurer deadlines

Recordkeeping:

Retain signed form and photos as evidence of inspection

Key milestones in the wind mitigation process

Track major milestones from scheduling to insurer decision to maintain momentum and document timelines.

01

Schedule Inspection

Confirm availability and required documentation

02

Conduct Inspection

Complete checklist and take photographs

03

Finalize Report

Complete form and certify with signature

04

Submit to Insurer

Upload or send for underwriting review

Common mistakes to avoid when preparing the form

  • Incomplete photo documentation — missing photos of connectors or openings often cause insurers to request reinspection and delay credits.
  • Vague descriptions — using non-specific terms like 'sufficient' or 'appears intact' can trigger follow-up questions or denials of discounts.
  • Incorrect dates or unsigned certifications — insurers commonly reject forms missing the inspector signature or with inconsistent inspection dates.
  • Using unlicensed inspectors — insurer programs often require licensed or certified inspectors; unverified credentials can invalidate the submission.

Consequences of incorrect or misrepresented forms

Loss of Discount: Insurer may deny premium credit
Claim Denial: Fraudulent or false entries risk claim rejection
Underwriting Delay: Incomplete forms cause processing holds
Audit Exposure: Insurer audits may require recertification
Regulatory Risk: Misrepresentation can trigger penalties
Liability Exposure: Inspector or contractor may face professional liability

Real-world examples showing how the form is used

Two representative customer stories illustrate practical results from using documented wind mitigation inspections.

Optica Ventures LLC

Optica scheduled an inspection for a portfolio property to verify roof upgrades.

  • The inspector documented new straps and impact windows.
  • The insurer applied a verified premium credit across the portfolio, reducing annual premiums and improving underwriting transparency for future renewals.

Martin Properties

A property manager completed inspections before listing homes for sale.

  • The completed forms were included in listings.
  • Buyers and lenders accepted the documentation as part of due diligence, shortening negotiation timelines and reducing requests for contractor warranties.

Comparison: eSignature options for submitting Wind Mitigation Forms

Common capability and pricing differences among popular eSignature vendors; signNow is listed first per standard comparison formatting.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Trial available Trial available Trial available Trial available
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Frequently asked questions about Wind Mitigation Forms and eSubmission

Answers to common questions about completion, signatures, and how electronic submissions interact with insurer requirements.


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