The premium went up again, and the agent said the words "wind mitigation" and "form 1802" and asked whether the house had ever had one. It was built in 1962 in Indian River City, and you are not sure. This site connects you by phone with an independent local roofing contractor who does the roof work that earns credits on that form in north Brevard County. The form itself is completed by a licensed inspector, and the contractor can tell you which items the roof work will change.
The contractor looks at the roof the way the form does, line by line. Roof covering and the year it was permitted. Deck attachment: nail size and spacing, checked from the attic. Roof-to-wall connection: toe nails, clips, single wraps, or double wraps, also checked from the attic. Roof shape, because a hip roof scores better than a gable. Secondary water resistance, meaning a sealed underlayment or taped deck seams. Opening protection is on the form too, but that is windows and doors, not roofing.
On a 1960s house, most of those lines start out empty. The original construction predates everything the form rewards. What the contractor can tell you is which lines a reroof will fill in and which would take more than a roof job.
Ask your agent for a copy of the last wind-mitigation form on file, if there is one. Find the permit year for the current roof. Pull the declarations page and look at the wind premium versus the rest, so you know what a credit would be applied against.
If a reroof is already in the plans, this is the moment to bring the form up, because the items that earn credits cost least while the deck is open.
A permitted roof replacement under the current code changes the covering line by itself. Re-nailing the deck to current spacing changes the attachment line. A self-adhered underlayment changes the secondary water resistance line. Adding straps or clips at the roof-to-wall connection, which the code may require anyway during a reroof in a wind-borne debris region, changes the connection line.
Roof shape does not change without a new roof structure. Opening protection is shutters or impact windows, a different trade. And nothing on this page is a promise about what your carrier will credit or what the premium will do. The form records facts, and the carrier applies its own filed rates to them.
Brevard County publishes the building code wind speed maps that set the design wind speed for every address, and the riverfront corridor along US-1 sits at the high end. The county is a wind-borne debris region under the Florida Building Code, which is why the code can require roof-to-wall retrofits during a reroof, with the cost of that retrofit capped at a share of the roof price.
The space-boom houses are the ones with the most to gain. Most are on their third roof, and any roof permitted under the modern code already carries credit-earning items the owner never documented. A roof inspection can tell you what is already there before you pay for a form. When replacement is due, a code-compliant reroof plus the completed form is how a 1960s house ends up priced like a newer one for wind.
Have the address, the year the house was built, and the year of the current roof. Say whether you have a form on file and whether a reroof is planned. Call (321) 490-0701.
Standing bySay it in plain words. The call is routed to an independent local roofing contractor who works shingle, metal, and flat roofs on the older homes and rural lots of north Brevard County.
Reroofing 1960s space-boom homes: plank decking, low-slope hips, flat sections, and the code upgrades the permit requires.
What to photograph, what a contractor's written scope gives the adjuster, and how Florida's roof-claim rules work after a storm.
A lifted shingle, a rusted valley, a split pipe boot, or a drip that shows up with every afternoon storm, traced to its source and fixed.