I think this is from 2010:
UNIVERSAL INSURANCE AND WIND MITIGATION FORMS
The State of Forida laws and the Officie of Insurnace Regulation rules state that; if a homeowner gets a wind mitigation inspection form, completed by a qualified individual, the insurance company is to provide a discount for each satisfactory mitigation feature that is listed on the form for the wind portion of an insurance policy. (there are nine features listed on the inspection form…) Pictures are required to verify the infomation that is listed on the form…
The level of discount is based on each individual catagory of mitigation feature and their percentage varies with each feature.
Example: A perfect form with all features listed would provide 100% of the discount that is available to the policy holder… However, the most important feature, opening protection (shutters) is only valued at 15%, where the difference between a “hip” roof and a “gable” roof only makes up 7% of the discount…
Now, Universal is currently denying the entire Wind Mitigation discount if their underwriter determines the photographs are not clear enough if they “can’t tell” what feature the photograph represents. (IE: the tie down strap is not clearly visible.)
To make it more clear, State Law requires an insurance company to provide a discount on the wind portion of a homeowner’s policy for the features that are listed on the form, and, if there is one mitigation feature that is not in evidence, THAT feature does not receive its portion of the discount. But, the rest of the features on the form are still to be considered.
Universal Insurance is commiting a violation of State Law (and thus Insurance Fraud) by denying the entire Mitigation discount to it’s policy holders who have submitted a properly completed Wind Mitigation form that has been signed by a qualified inspector