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What is the discount for gable end bracing in a Wind Mitigation Inspection Report (OIR-B1-1802)?
Thursday, September 24, 2020
There is no longer an insurance discount for gable end bracing in the Florida wind mitigation inspection form OIR-B1-1802. Although gable end bracing is now code-required for new construction, the discount was eliminated in the 2012 revision of the form. The simple X-shape of 2x4s shown above was once acceptable, but a sturdier C-shape bracing is currently specified for new homes.
A gable end, especially a tall one, is one of the most vulnerable parts of a house for collapse during a hurricane and, once it comes down, the destruction of the interior of the home proceeds rapidly. So we recommend retrofitting gable-end bracing on older homes even though there is no longer an insurance discount for it.
Also see our blog post How long does a wind mitigation inspection remain valid?
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Here’s links to a collection of our blog posts about the WIND MITIGATION FORM:
• Why did I get no discounts or only a small discount from my wind mitigation inspection?
• Who can perform a wind mitigation inspection in Florida?
• How long does it take for a wind mitigation inspection?
• What is checked during a wind mitigation inspection?
• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?
• Which building permit date is used for the Building Code section of the wind mitigation form?
• What are the different roof deck attachment discount categories for a wind mitigation inspection?
• What determines the year of a house?
• Can I do my own wind mitigation inspection?
• What’s the difference between a gable and hip roof for my insurance?
• What is the wind mitigation inspection for homeowner's insurance?
• How can I tell how hurricane resistant a Florida house is before I buy it?
• What is a wind mitigation discount?
• Do I get a a discount for partial hurricane shutters in a Wind Mitigation inspection?
• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report?
• What’s the difference between a four-point and wind mitigation inspection?
Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.
Hurricane Damage Photo - Florida Bureau of Mitigation
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