The intent of the form was never a permit verification, but a “verification inspection” of properly installed mitigation techniques. I have yet to attend or review a single course that actually taught the FBC when the content of the course was advertised as a “wind mitigation” course, which is where these techniques are located. I have reviewed the inachi course via a member who allowed me to do so…it’s pointless and provides essentially no useful information on a structures potential to actually mitigate wind damage.
Most of the methodologies within the course were derived from old school methods that failed miserably. This is well documented. There are folks that were involved, and some still are, in this process who had no business being involved, they inserted themselves as a “workgroup” and for some reason think they understand the intent of the form and how to produce it when they had absolutely nothing to do with the formation or adoption of the laws that govern the form. The methods and practices they taught are still being taught today and will cause the form to be removed as it teaches inspectors to provide insurers with essentially useless information that is in no way viable for assessing risk.
I was asked to be part of producing the course for inachi but declined as it’s impossible to teach someone even the basics in 8 hours. You could spend literally a week on opening protection alone. Florida already has/had wind mitigation specific training available through the state via FSS 553.841. ALL LICENSES listed under FSS 627.711 are required to have wind mitigation training…not just home inspectors.
Your license requires you to attain training on two levels, “mitigation techniques” and “completion of the form”…no place in your licensure does it require or imply that you have training on how to apply credits. Credits, properly referred to as “rate differentials”, are promulgated by the OIR for insurers, not inspectors. Your job is to assess the structure for the client and provide information on where the structure may be deficient for mitigation purposes and inform the client of how to strengthen their home.
But the form doesn’t end there. It is also being used to assess building code enforcement. Lack of building code enforcement was a major contributor to the damages during hurricane Andrew, this is well documented. Under FSS 627.0626 insurers are REQUIRED to submit with their rate filings rate variables based on building code enforcement by region. But, they must offer reduction in these rate filing variations based off of a inspection provided by a “licensed home inspector”. Isn’t that a kick in the teeth? A home inspector can override a rate filing variation on building code enforcement by simply inspecting the structure…go figure.
But remember…it’s not a “code inspection”…:roll: