Commercial Lines Bulletin

Updated Building Type II and III Mitigation Inspection Form

June 19, 2018

The Florida Office of Insurance Regulation (OIR) has approved updates to Citizens’ Commercial Lines mitigation form, now titled Building Type II and III Mitigation Inspection Form. Agents and licensed inspectors should begin using the updated form immediately. If an agent submits the previous version of the form after August 1, 2018, Underwriting may request additional information or create underwriting actions. 

This form is used for CR-M and CR-W condominium and noncondominium risks with four or more stories. It has been revised to align with the following underwriting rules:

  • Rule 116. Commercial Residential Multiperil (CR-M)
  • Rule 115. Commercial Residential Wind-Only (CR-W) 

Changes to the form are outlined below.

Section of new form

Description of Changes

Specify the type of mitigation device(s) installed

For each construction or mitigation feature, the inspector must provide:
 

  • Documentation
  • At least one photo

Roof Coverings

The inspector must indicate the material used and its date of installation. This section also has been amended to reflect more accurately the type of eligible roof coverings.

Roof Deck Attachment

The metal deck section has been expanded to further define attachment requirements.

Applicant/insured’s signature area

Specifies that the signature must be from the board president and another member of the board for condo and homeowner’s associations, or an officer of the named insured for all other business entities.

Certification license checklist

Updated to define license requirements clearly.

Footer statement

Specifies that the form is valid for up to five years provided no material changes have been made or inaccuracies found.

 

Note: This form can be used as an addendum to the mitigation form for Personal Lines (OIR-B1-1802) to capture specific mitigation features for CR-M and CR-W risks with four or more stories.

Resources
The previous version has been deleted from our website, and the updated form is available on:

  • The Agents website: 
    • Select Commercial → CR-M → Submission → Mitigation
    • Select Commercial → CR-W → Submission → Mitigation
  • The Public website: Select Insurance → Get a Policy → Inspections → Your Wind Inspection

For more information, log in to the Agents site, and:

  • From the website’s top menu, select Search → Search Frequently Asked Questions (FAQs). Enter mitigation inspection into the search field.
  • For the underwriting guidelines, select Commercial, click on either CR-M or CR-W on the left side of the page, and scroll down to the Manuals section. 

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