There are always multiple dates listed on a building permit, but the date that determines which building code edition that the home must comply with is the date of application for the permit—not the date the permit was issued—so it is the one used for the wind mitigation form. An example from an Alachua County building permit is shown below.

    The time between the application and issuance of a building permit can be anywhere from several days to months. The permit shown above took nearly a month to be reviewed and issued. The “CO Date,” which is the Certificate of Occupancy, is the date typically used by Property Appraisers as the date of construction of a home on property records. It is often the following year when the permit is issued late in the year.

    Also see our blog post How much does a wind mitigation inspection save on insurance? and How do I get the hip roof discount for my homeowners windstorm insurance?

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Here’s links to a collection of our other blog posts about INSURANCE:

* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?

• Why is a fuse box/panel an insurance problem for homebuyers? 

• How is Citizens Property Insurance different from other Florida homeowners insurance companies?  

• Do I need a home inspection to get insurance? 

• Is the 4-point insurance inspection strictly pass or fail? 

• What are the different roof deck attachment discount categories for a wind mitigation inspection? 

• What determines the year of a house? 

• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

• Should I give a copy of the home inspection report to the bank or insurance company? 

• How do I get my home ready for a four point inspection for insurance? 

• Can I do my own wind mitigation inspection?  

• Will a house without air conditioning pass a 4 point inspection?  

• What’s the difference between a gable and hip roof for my insurance? 

• Why does my homeowner's insurance want a four point inspection? 

• What is the wind mitigation inspection for homeowner's insurance? 

• Which water pipes are an insurance problem and possibly uninsurable? 

• Why does my homeowner's insurance want a roof inspection? 

• Is it common for an insurance company to require an inspection? 

• How do I get insurance if my home can't pass a 4-point inspection? 

    Visit our HOME INSPECTION and INSURANCE pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.