COMMERCIAL WIND MITIGATION INSPECTIONS
Commercial Wind Mitigation Inspections – MIT-BT II & III (Contractor Performed)
True Home Inspections provides commercial wind mitigation inspections performed by a licensed General Contractor / Building Contractor — a requirement for many commercial insurance carriers and underwriting programs. These inspections go beyond standard residential wind mitigations and require a higher level of credentialing, construction knowledge, and documentation.
For qualifying commercial buildings, we utilize the MIT-BT II & III inspection form, which is specifically designed for commercial wind mitigation reporting. This form evaluates critical building features such as roof covering systems, roof-to-wall connections, wall construction, opening protection, secondary water resistance, and overall wind resistance characteristics that impact insurability and potential premium credits.
Our contractor-performed inspections deliver accurate, insurer-accepted documentation that helps carriers properly assess risk, eligibility, and mitigation credits for commercial properties.
Here are the things that comprise the inspection:
MIT-BT II & III — Commercial Wind Mitigation Checklist (Numbered List)
Property & Policy Information
Premises number
Subject of insurance
Policy number
Building number
Street address
Number of stories
Building description
Building type (Type II or Type III)
(This section identifies the insured building and classification.)
Terrain Exposure Category
Certification of terrain exposure category (Exposure B or Exposure C) as defined under the Florida Building Code
(Used for determining wind forces acting on the building.)
Wind Speed Certification
Certification of basic wind speed (check: ≥100, ≥110, or ≥120 mph) based on county wind speed lines
(Certifies the design wind speed applicable to the location for mitigation credits.)
Wind Design Certification
Certification of wind design (if building is designed/mitigated to meet certain wind speed criteria ≥100, ≥110, or ≥120 mph)
(Documents whether structural design meets or exceeds code requirements for wind resistance.)
Roof Coverings
Specify type of roof covering material
Date of installation
Level A (Non-FBC Equivalent) or
Level B (FBC Equivalent)
(This section verifies whether roof coverings meet Florida Building Code or product approval criteria.)
Documentation & Photos
At least one photo documenting each visible and accessible construction or mitigation attribute marked in Sections 1-4 must accompany the form
Any documentation used to validate compliance or existence of each attribute must accompany the form
(This is a form requirement, not a separate list item — but required for acceptance.)
Key Points About the Form
The form is required for buildings of 4 stories or more (Type II or Type III) when seeking wind mitigation credits for insurance underwriting.
It is distinct from the residential wind mitigation form (OIR-B1-1802) — the MIT-BT II & III is specific to larger buildings and is typically required for commercial residential policies.
Only qualified professionals can sign this form (General Contractor, Building Contractor, Architect, Engineer, or authorized Building Code Official)
COMMERCIAL 4 POINT INSURANCE INSPECTIONS
Commercial 4-Point Inspections (Contractor or Inspector Performed)
We also provide commercial 4-point inspections for insurance underwriting and policy renewals. Commercial 4-point inspections focus on the condition and remaining useful life of the four major building systems: roofing, electrical, plumbing, and HVAC.
Commercial 4-Point inspections must be completed by a licensed Building or General Contractor — not a standard home inspector. These inspections are required by commercial insurance carriers to evaluate the condition and insurability of the roof, electrical, plumbing, and HVAC systems for underwriting and policy approval.
Commercial 4-Point Inspection – Items Inspected
Roof System
Roof covering type and material
Approximate age and remaining useful life
Visible deterioration, leaks, ponding, or prior repairs
Flashing condition and penetrations
Drainage systems (scuppers, drains, gutters where applicable)
Signs of active moisture intrusion
Overall serviceability and insurability condition
Electrical System
Main service size and voltage
Panel manufacturer and condition
Presence of outdated or high-risk panels (if applicable)
Proper grounding and bonding (visible components)
Evidence of overheating, corrosion, or improper wiring
GFCI/AFCI protection where applicable
Visible code or safety concerns affecting insurability
Plumbing System
Supply piping material and condition
Drain, waste, and vent piping material
Visible leaks, corrosion, or active deficiencies
Water heater type, age, and installation condition
Functional shutoff valves (visible)
Evidence of prior water damage or active moisture issues
Overall operational and insurability condition
HVAC / Mechanical System
System type(s) and capacity
Approximate age and remaining useful life
Operational condition at time of inspection
Visible damage, corrosion, or refrigerant line issues
Electrical disconnects and safety components
Condensate drainage condition
Overall system performance and insurability considerations
The following are a list of items, but not limited to, that may prevent you from a satisfactory rating on your report:
1. A roof with any leaks at all, or an older roof, typically over 15-years old for a 3-tab asphalt shingle roof, for example. An estimated additional roof life of 5-years is the usual standard for a roof to be acceptable.
2. An electric panel with screw-in type fuses.
3. Newer 3-slot type electric receptacles connected to old wiring that does not have grounding.
4. A water heater with signs of active or previous leaks.
5. Lack of an installed heating system. Window a/c units or plug-in portable heaters are not considered “installed.”
6. Any evidence of plumbing leaks or other water intrusions in the home, even previous ones.
7. Older knob-and-tube wiring that’s still “live.” or uninsulated cloth wiring present.
8. Exposed, amateur electrical wiring, especially open electrical splices.
9. Deteriorated, damaged, or un-vented plumbing piping.
10. Deteriorated washing machine hoses or shut off valves.
11. The presence of Polybutylene plumbing pipes in the home. This is considered nearly uninsurable due to it’s higher than normal failure rate.
*Please note that the above mentioned deficiencies are just generalized examples.
If you have any questions or concerns about insurance inspections, please do not hesitate to call us! We are here to help!
