“Secondary Water Resistance (SWR)” is one of seven different ways to get a discount on Florida’s wind mitigation form for the windstorm portion of your homeowner’s insurance. To qualify for the SWR discount, you have to prove that a particular type of peel-and-stick sheet/membrane, known as a “self-adhering polymer modified-bitumen roofing underlayment,” has been adhered to the roof sheathing before the roof covering was applied over it. 

    Grace Ice And Water Shield® is one popular brand of this membrane, and it must be applied in sheets over the entire roof surface or tape strips that seal all the roof sheathing joints. Many roofers now use this material as flashing at the valleys of a roof replacement, but applying it only at valleys does not meet the requirement. Standard roof felt underlayments—including the new senthetic felts and hot-mopping—do not qualify for this discount.

    An alternative SWR (that we rarely see) is a closed-cell spray foam adhesive/insulation applied to the underside of the roof sheathing.

    The form is officially named the Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Also, see our articles What is the discount for Secondary Water Resistance (SWR) on a Wind Mitigation Inspection Report (OIR-B1-1802)? and Why did I get no discounts or only a small discount from my wind mitigation inspection?

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Here’s links to a collection of some of our other blog posts about the WIND MITIGATION FORM:

• Who can perform a wind mitigation inspection in Florida?

• How long does it take for a wind mitigation inspection? 

• Is a wind mitigation inspection transferable from previous homeowner to new homeowner?

• 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? 

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

• How do I get the hip roof discount for my homeowners windstorm insurance?

• 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?

• How long does a wind mitigation inspection remain valid? 

• 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?

• How much does a wind mitigation inspection save on insurance?

• What is the discount for gable end bracing in a Wind Mitigation Inspection (OIR-B1-1802)? 

• What is the discount for wall construction type in a Wind Mitigation Inspection Report (OIR-B1-1802)?

• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection? 

• Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?

• What is the difference between the HVHZ (High Velocity Hurricane Zone) and the Wind-Borne Debris Region in Florida Building Code? 

• If the strap has 2 nails at my roof trusses, what credit do I get on my wind mitigation inspection?

• Is a digital signature acceptable for customers on the Florida Wind Mitigation Form (OIR-B1-1802)? 

• Can I get a wind mitigation inspection for a mobile home? 

• Can I get a wind mitigation inspection for a modular home?

• Why didn't I get the hip roof discount on my wind mitigation inspection? 

• What does toe nailing mean?

• Is it worth it to upgrade my roof tie-down hurricane straps for a better wind mitigation insurance discount? 

• Why didn’t I get an insurance discount for my new hurricane-resistant windows on my wind mitigation inspection?

• When did Florida start requiring re-nailing of roof deck sheathing for a roof replacement?

     Visit our ROOF AND ATTIC page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.