The new wind mitigation form is changing again and will become a bit more complicated. The updated version takes effect on April 1, 2026. Most questions from the old form remain, but some new ones have been added that could affect your insurance discounts, either positively or negatively.
Additions to the new wind mitigation form
The old form had 7 different sections that were asked about the home, all which could earn you a discount on your insurance. The new wind mitigation form now has 9 sections. The new sections are Region and Roof Slope.
2. Region
“Location based on design windspeed. See ASCE 7-22 (700-year MRI) Risk Category 2”. In this section we will determine what wind speed region the home is in whether its in the HVHZ, Region 1 over 140mph, Region 2 130 mph – 139 mph or Region 3 under 130mph. You can find out where your home resides by using this tool.
3. Roof Slope
“For single-family homes with multiple slopes, indicate the slope that is at least two thirds of the main roof area when determining greater than or equal to 6:12, OR less than 6:12.” In this section we will need to measure the pitch of each slope and determine if the majority is more or less than 6:12.
Changes to the current sections
Many of the current sections have been changed. Most have just updated the wording to help clear up any “gray” areas the previous form had. Others have added sub-sections to the current form.
1. Building Code
Most of this section is the same, except there is now a new question about whether the home was built after December 8, 2006. “B. Code in force at time of permit application was the FBC 2007 and later.” Previously, if a home was built after the 2001 FBC started, many discounts for things like deck nailing, hurricane straps, and roof material were automatically included. It is still unclear if this will continue with the new form.
8. Sealed Roof Deck/Secondary Water Resistance(SWR)
“A. Sealed Roof Deck (also called SWR)
□ Fully adhered polymer-modified bitumen roofing underlayment complying with ASTM Dl970.
□ Tape over roof deck seams with felt or synthetic. (A minimum 3.75-inch-wide (95 mm) strip of
self-adhering polymer-modified bitumen membrane complying with ASTM Dl970 or self-adhering flexible
flashing tape complying with AAMA 7ll, Level 3 [for exposure up to l76°F (80°C)]).
□ Double layer of felt or synthetic with no tape. (Two layers of ASTM D226 Type II, ASTM D4869 Type
III or Type IV or ASTM D8257 underlayment).
□ Spray foam products. (Spray foam must be installed along rafter deck intersections, all panel
joints, etc.).
□ check here if entire roof deck underside covered.”
This new section is interesting, but we still do not know exactly how insurance companies will offer discounts. In the past, upgrading your underlayment to a “Peel & Stick” material would get you an extra discount compared to using standard synthetic or felt underlayment. Now, the new form asks if there is a double layer of standard underlayment. Around 2023, the building code started requiring two layers. It looks like this will qualify for an additional discount. Whether this discount will match the one for a full peel & stick upgrade is still unclear.
Due to the new form and added inspection requirements, inspection prices will likely increase. To schedule a wind mitigation and potentially lower your insurance, please call us at 407-633-1661 or schedule online.