Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26) Adopted by Rule 69O-170.0155, F.A.C. Page 2 Section 4.2 — Product Approval Listing
Section 4.2 — Product Approval Listing
Once the inspector has documented what type of roof covering is present and recorded the associated permit and product information in Section 4.1, Section 4.2 takes that information and converts it into a single overall compliance rating for the roof covering. Think of 4.1 as the data and 4.2 as the conclusion drawn from that data.
There are four possible answers, and the inspector selects the one that best describes the overall compliance status of all roof coverings on the home.
Answer A — Full Compliance, FBC Standard
All roof coverings on the home meet the Florida Building Code and have either a qualifying FBC or Miami-Dade product approval listing current at the time of installation, or a roofing permit with an application date on or after March 1, 2002, or the roof is original to a home built in 2004 or later. Answer A is the best possible outcome for this section and is the one that results in the most favorable insurance treatment. For most homes in Southwest Florida with a roof replaced after 2002 under a proper permit, this is the expected answer.
Answer B — Full Compliance, Miami-Dade Standard
All roof coverings carry a Miami-Dade product approval listing current at the time of installation. This answer also includes a specific provision for the HVHZ — homes in Miami-Dade and Broward counties with permit application dates between September 1, 1994 and March 1, 2002, or roofs original to homes built in 1997 or later. Answer B represents full compliance at the Miami-Dade standard, which is a higher bar than the standard FBC requirement. For Southwest Florida homes this answer is less common than Answer A but may apply in certain circumstances where Miami-Dade approved products were used.
Answer C — Partial Compliance
One or more roof coverings on the home do not meet the requirements of Answer A or B. This is the answer selected when the home has multiple roof covering types and at least one of them qualifies while another does not — for example, a main tile roof with a documented permit but a flat membrane section over an addition where no documentation exists. Partial compliance means a reduced credit compared to full compliance answers.
Answer D — No Compliance
None of the roof coverings on the home meet the requirements of Answer A or B. This is typically the result when no permits can be located, no product approval numbers are available, and the installation predates the qualifying thresholds. Older homes with original roof coverings from the 1980s or earlier often fall here. Answer D means no insurance credit is applied for the roof covering section, but it does not affect the inspector’s ability to document credits in other sections of the form.
The Practical Takeaway
For homeowners in the Cape Coral and Fort Myers area, the single most impactful thing you can do to support a favorable outcome in Section 4 is to have your roofing permit information available. If your roof has been replaced in the last 20 years, a permit almost certainly exists. Your inspector will attempt to pull it from county records, but having a copy of your own — or at minimum knowing the approximate year the work was done — gives the inspector a place to start and can save time during the inspection.
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