VCITA Enterprise Companion Report
Wind Mitigation Assessment - OIR-B1-1802 Internal Analysis
COMPLETED
🏠 8421 Sunset Terrace Dr
📅 May 2, 2026
👤 Robert Thompson & Jennifer Thompson
📋 Submission Readiness
Official Form Fields: 0%
0/0 fields complete
Evidence Completeness: 0%
0/0 sections with evidence
❌ Inspector Signature
⚠️ Homeowner Signature
⚠️ Not Ready
⚠️ Internal QA Flags
- 🚩 Inspector signature is missing
- 🚩 Homeowner signature is missing or pending
🎯 Score Drivers (Mitigation Strength Breakdown)
| Category | Field | Points | Selected Answer |
|---|
| Building Code | FBC_COMPLIANCE | +0 | Compliant - Built 2002 or after |
| Roof Deck | ROOF_DECK_ATTACHMENT | +5 | A - 6d Nails 6"/12" |
| Roof-to-Wall | ROOF_WALL_CONNECTION | +15 | Clips |
| Roof Geometry | ROOF_GEOMETRY | +15 | Hip |
| SWR | SWR_PRESENT | +0 | No - No SWR applied |
| Opening Prot. | OPENING_PROTECTION_TYPE | +3 | Mixed |
Total Mitigation Strength: 62 / 105
🌀 Wind Zone Classification
🔵
Wind Zone II - Inland / Moderate Exposure
St. Lucie County • Region: 130 mph (Treasure Coast)
Moderate wind exposure. Standard FBC wind provisions apply. Design wind speeds vary by specific location.
Recommended
Miami-Dade NOA
130-150
Design Wind Speed (mph)
📅 Roof Lifecycle Timeline
Lifecycle Progress (Concrete/Clay Tile - typical lifespan: 40 years)
2021 (Installed)
◆ Today (2026)
2061 (Est. Replacement)
Lifespan estimates are based on typical Florida climate conditions for Concrete/Clay Tile roofing. Actual lifespan varies with maintenance, storm exposure, ventilation, and installation quality. Carriers may apply age-based depreciation or insurability thresholds.
🗂️ Field Mapping: Internal Data → Official OIR Answers
| Field Code | Section | Official Answer | Method | Source | Review |
|---|
| FBC_COMPLIANCE |
1. Building Code |
Compliant - Built 2002 or after |
Auto-fill |
AI |
APPROVED |
| BUILDING_PERMIT_DATE |
1. Building Code |
2004-09-10 |
Auto-fill |
Manual |
APPROVED |
| ROOF_COVERING_TYPE |
2. Roof Covering |
Concrete/Clay Tile |
Auto-fill |
Visual Inspection |
APPROVED |
| ROOF_COVERING_YEAR |
2. Roof Covering |
2021 |
Auto-fill |
Permit Records |
APPROVED |
| PRODUCT_APPROVAL_LISTING |
2. Roof Covering |
FBC Approved - FL-11426 |
Auto-fill |
Manual |
APPROVED |
| ROOF_COVERING_FBC |
2. Roof Covering |
Yes - FBC Equivalent |
Auto-fill |
Manual |
APPROVED |
| ROOF_PERMIT_NUMBER |
2. Roof Covering |
BLD-2021-07362 |
Auto-fill |
Manual |
APPROVED |
| ROOF_SLOPE |
2. Roof Covering |
4:12 to 6:12 |
Auto-fill |
Manual |
APPROVED |
| ROOF_COVERING_NOTES |
2. Roof Covering |
Boral concrete S-tiles, terra cotta color. Re-roofed 2021 with St. Lucie County permit BLD-2021-07362. FBC compliant product approval FL-11426. No visible damage or wear. |
Auto-fill |
Manual |
APPROVED |
| ROOF_DECK_ATTACHMENT |
3. Roof Deck Attachment |
A - 6d Nails 6"/12" |
Auto-fill |
AI |
APPROVED |
| ROOF_WALL_CONNECTION |
4. Roof-to-Wall Connection |
Clips |
Auto-fill |
AI |
APPROVED |
| ROOF_WALL_A_TOENAIL |
4. Roof-to-Wall |
No |
Auto-fill |
Manual |
APPROVED |
| ROOF_WALL_A_METAL_FAIL |
4. Roof-to-Wall |
No |
Auto-fill |
Manual |
APPROVED |
| ROOF_WALL_B_CLIPS |
4. Roof-to-Wall |
Yes |
Auto-fill |
Manual |
APPROVED |
| ROOF_GEOMETRY |
5. Roof Geometry |
Hip |
Auto-fill |
AI |
APPROVED |
| ROOF_GEO_HIP_NONHIP_FT |
5. Roof Geometry |
0 |
Auto-fill |
Manual |
APPROVED |
| ROOF_GEO_TOTAL_PERIM_FT |
5. Roof Geometry |
208 |
Auto-fill |
Manual |
APPROVED |
| SWR_PRESENT |
6. SWR |
No - No SWR applied |
Auto-fill |
Attic Inspection + Permit Review |
APPROVED |
| OPENING_PROTECTION_TYPE |
7. Opening Protection |
Mixed |
Auto-fill |
Labels + Visual |
APPROVED |
| OPENING_PROTECTION_COVERAGE |
7. Opening Protection |
Partial |
Auto-fill |
Manual |
APPROVED |
| GARAGE_DOOR_PROTECTION |
7. Opening Protection |
Wind Rated |
Auto-fill |
Manual |
APPROVED |
| ENTRY_DOOR_PROTECTION |
7. Opening Protection |
Impact Rated |
Auto-fill |
Manual |
APPROVED |
| SKYLIGHT_PROTECTION |
7. Opening Protection |
N/A - No Skylights |
Auto-fill |
Manual |
APPROVED |
| DAMAGED_OPENINGS |
7. Opening Protection |
No |
Auto-fill |
Manual |
APPROVED |
| WINDOW_PROTECTION_NORTH |
7. Opening Protection |
Impact Rated |
Auto-fill |
Manual |
APPROVED |
| WINDOW_PROTECTION_SOUTH |
7. Opening Protection |
Hurricane Shutter - Panel |
Auto-fill |
Manual |
APPROVED |
| WINDOW_PROTECTION_EAST |
7. Opening Protection |
Impact Rated |
Auto-fill |
Manual |
APPROVED |
| WINDOW_PROTECTION_WEST |
7. Opening Protection |
None |
Auto-fill |
Manual |
APPROVED |
🛡️ Opening Inventory Detail
| Type | Label | Location | Direction | Protection | Rating | Approval # | OIR Level |
|---|
| WINDOW |
|
|
|
IMPACT_RATED |
|
|
N |
| ENTRY DOOR |
|
|
|
IMPACT_RATED |
|
|
N |
| WINDOW |
|
|
|
SHUTTER_PANEL |
|
|
C |
| SLIDING GLASS_DOOR |
|
|
|
IMPACT_RATED |
|
|
N |
| WINDOW |
|
|
|
IMPACT_RATED |
|
|
N |
| WINDOW |
|
|
|
NONE |
|
|
X |
| ENTRY DOOR |
|
|
|
NONE |
|
|
X |
| GARAGE DOOR |
|
|
|
WIND_RATED |
|
|
C |
Official OIR Classification: X - Level X - No windborne debris protection
Glazed Openings Weakest: X •
Non-Glazed Weakest: X
One or more glazed openings have no windborne debris protection.
💰 Weakest-Opening ROI Analysis (Homeowner Companion)
Current OIR Class
X
Level X - No windborne debris protection
Estimated Discount Today
0.0%
≈ $0 off annual premium
Weakest Opening
WINDOW
Glazed weakest = X · Non-glazed = X
| Upgrade Scenario |
New OIR |
Annual Savings |
Upgrade Cost |
Payback |
10-yr Savings |
ROI Tier |
|
Best-case: every opening at Level A
Theoretical maximum opening-protection discount (A.1). Replace or upgrade every opening - glazed and non-glazed - to verified Level A impact protection. Useful as an upper bound when planning a multi-year upgrade roadmap.
|
A.1 |
$576 |
$17,000 |
29.5 yrs |
$5,760 |
LOW |
|
Upgrade all non-impact glazed openings to impact-rated
Replace 4 glazed openings with impact-rated units. This unlocks the highest discount tier on the glazed side. Typical 10-year savings often exceed retrofit cost in HVHZ counties.
|
A.3 |
$384 |
$8,000 |
20.8 yrs |
$3,840 |
LOW |
|
Replace your weakest glazed opening
Replace the single weakest glazed opening (WINDOW) with an impact-rated unit. This often shifts your overall OIR class up to N.3, the largest single-step ROI win.
|
N.3 |
$24 |
$2,000 |
83.3 yrs |
$240 |
LOW |
|
Add shutters to your weakest glazed opening
If a full impact replacement is out of budget, adding hurricane shutters or panels to WINDOW typically lifts your OIR class to N.3. Lower up-front cost and faster payback than full replacement.
|
N.3 |
$24 |
$500 |
20.8 yrs |
$240 |
LOW |
Estimates only. Discount percentages are conservative defaults based on typical Florida carrier rate differentials for opening protection. Actual savings vary by carrier, policy form, location, and other mitigation features. Upgrade costs are mid-range market estimates and may vary by contractor, product, and labor market. Consult your insurance agent for binding quotes. Baseline annual premium used: $4,800 (statewide-average default).
🔍 Opening Protection - OIR Classification Logic
| Classification | Description | Selected? |
|---|
| A | Level A - Cyclic Pressure + 9-lb Large Missile | |
| A.1 | A.1 - All openings meet Level A (best) | |
| A.2 | A.2 - Glazed=A, non-glazed at reduced level | |
| A.3 | A.3 - Glazed=A, non-glazed significantly weaker | |
| B | Level B - Cyclic Pressure + 4-8 lb Large Missile | |
| B.1 | B.1 - All openings meet Level B or better | |
| B.2 | B.2 - Glazed=B, non-glazed at reduced level | |
| B.3 | B.3 - Glazed=B, non-glazed significantly weaker | |
| C | Level C - Covered but not verified A/B | |
| C.1 | C.1 - All openings covered (not verified A/B) | |
| C.2 | C.2 - Glazed=C, non-glazed at reduced level | |
| C.3 | C.3 - Glazed=C, non-glazed significantly weaker | |
| N | Level N - Appears A/B but unverified | |
| N.1 | N.1 - All openings appear protected (unverified) | |
| N.2 | N.2 - Glazed=N, non-glazed at reduced level | |
| N.3 | N.3 - Glazed=N, non-glazed significantly weaker | |
| X | Level X - No windborne debris protection | ✅ Selected |
| Z | Level Z - Openings damaged, credits disqualified | |
📊 Underwriting Summary
Building Code:
Compliant - Built 2002 or after
Roof Covering:
Concrete/Clay Tile (2021)
Product Approval:
FBC Approved - FL-11426
Roof Deck:
A - 6d Nails 6"/12"
Roof-to-Wall:
Clips
Roof Geometry:
Hip
SWR:
No - No SWR applied
Opening Protection:
X - Level X - No windborne debris protection
Region:
130 mph (Treasure Coast)
Roof Slope:
4:12 to 6:12
🔍 Wind Mitigation Reference Diagrams
Visual reference guides showing the selected value for each inspected section, with insurance credit tier ratings.
Building Code (Section 1)
Good Credit
Florida Building Code Timeline
Timeline showing the evolution of Florida building codes and their impact on wind mitigation credits. Properties built after 2002 under the statewide …
Good credit - statewide FBC compliance
Selected: 2002-2006 - Compliant - Built 2002 or after
Roof Deck (Section 3)
Low/No Credit
6d Nails / Staples
Plywood/OSB (7/16" minimum) attached with 6d nails or staples. Provides the minimum code-acceptable uplift resistance. Common in older homes built bef…
📐 ≥55 PSF uplift resistance
Lowest credit - weakest standard attachment
Selected: A - 6d Nails 6"/12"
Roof-to-Wall (Section 4)
Good Credit
Single Wraps
Metal strap that wraps over the rafter/truss top, nailed on both sides to the top plate.
Good credit - wraps over top of truss
Selected: Clips
SWR (Section 6)
Low/No Credit
No Sealed Roof Deck
Standard 15lb or 30lb roofing felt underlayment only - this does NOT qualify as secondary water resistance. If shingles are lost during a hurricane, w…
📐 Standard underlayment - not SWR
No SWR credit - standard felt only
Selected: No - No SWR applied
Opening Protection (Section 7)
Fair Credit
Non-Impact Shutters
Storm panels or shutters that provide basic wind pressure resistance but are NOT impact-rated. These may protect against direct wind but will not stop…
📐 Wind pressure only - no missile test
Limited credit - wind pressure only, no missile rating
Selected: Mixed - Partial
🔐 Inspection Integrity Verification
🛡️
Report Authenticity Certificate
○ Inspector Signed
○ Client Acknowledged
✓ Report Sealed
Inspector Credentials
Name: Calvin S. Johnson
License: Home Inspector #HI2622
Company: Vcita Home Inspection & Service LLC
Signed: May 2, 2026, 11:20 AM ET
Document Integrity
Assessment ID: wm-sample-mktg-001
Version: v1
Hash (SHA-256): a7f3c9d2e18b6041…
Sealed: May 2, 2026, 11:26 AM ET
Inspection Details
Date: May 2, 2026
Property: 8421 Sunset Terrace Dr
Form: OIR-B1-1802 Rev. 03/25
Audit Trail
Created: May 2, 2026, 4:30 AM ET
Last Modified: May 2, 2026, 11:20 AM ET
Evidence Photos: 12
This verification block confirms the report was produced by a licensed inspector using the Vcita Enterprise inspection platform. The report hash can be independently verified against the sealed manifest. Full audit trail available on request.
Insurer Summary - Carrier-Ready Reference
Property:
8421 Sunset Terrace Dr
Applicant:
Robert Thompson & Jennifer Thompson
Inspection Date:
May 2, 2026
Year Built:
2005
Official Selected Answers:
Building Code:
Compliant - Built 2002 or after
Roof Covering FBC:
FBC Approved - FL-11426
Roof Deck:
A - 6d Nails 6"/12"
Roof-to-Wall:
Clips
Roof Geometry:
Hip
SWR:
No - No SWR applied
Opening Protection:
X - Level X - No windborne debris protection
Evidence by Section:
Building Code: 0 photo(s)
Region: 0 photo(s)
Roof Slope: 0 photo(s)
Roof Covering: 0 photo(s)
Roof Deck Attachment: 0 photo(s)
Roof-to-Wall Attachment: 0 photo(s)
Roof Geometry: 0 photo(s)
Secondary Water Resistance (SWR): 0 photo(s)
Opening Protection: 0 photo(s)
Inspector Details:
Name: Calvin S. Johnson
License: Home Inspector #HI2622
Company: Vcita Home Inspection & Service LLC
Signed: 5/2/2026, 3:20:00 PM
Assessment ID: wm-sample-mktg-001 • Generated: 2026-07-19T17:11:53.013Z • Audit trail available on request
💰 Carrier-Specific Discount Estimates
Estimated premium credit ranges based on this property's wind mitigation features, compared across four major Florida carriers.
Each carrier weighs OIR-B1-1802 sections differently in their rate filings.
| OIR Section |
Your Answer |
Citizens | Universal | Security First | Heritage |
| 1. Building Code (FBC) |
Compliant - Built 2002 or after |
4-8% | 3-7% | 3-6% | 3-6% |
| 2. Roof Covering (FBC) |
FBC Approved - FL-11426 |
2-5% | 2-4% | 2-5% | 1-4% |
| 3. Roof Deck Attachment |
A - 6d Nails 6"/12" |
0% | 0% | 0% | 0% |
| 4. Roof-to-Wall Connection |
Clips |
4-8% | 3-7% | 4-7% | 3-6% |
| 5. Roof Geometry |
Hip |
5-9% | 4-8% | 5-8% | 3-7% |
| 6. Secondary Water Resistance |
No - No SWR applied |
0% | 0% | 0% | 0% |
| 7. Opening Protection |
X - Level X - No windborne debris protection |
0% | 0% | 0% | 0% |
| Estimated Total Credit Range |
15-30% | 12-26% | 14-26% | 10-23% |
📋 How to Read This Table
Each cell shows the estimated premium credit range for that section. Credits are cumulative - a property can earn credits from multiple sections simultaneously.
The "Total" row shows the combined range across all 7 sections.
⚠️ Important Disclaimer
Credit ranges are estimates based on publicly filed rate manuals and typical Florida rate differentials. Actual credits applied to your policy depend on the specific carrier's current rate filing, territory, policy form, deductible, and other factors. Always confirm with your insurance agent for binding quotes.
🔧 Upgrade Recommendations & Cost Estimates
Complete property upgrade analysis covering all 7 OIR-B1-1802 sections. Recommendations are prioritized by estimated return on investment.
Costs are mid-range Florida contractor estimates (2024-2026 pricing).
3. Roof Deck
Current: A (6d nails, 6"/12" spacing)
HIGH ROI
Payback Period
4-17 years
Re-nail the roof deck with 8d nails at 6" edge / 12" field spacing. Often combined with re-roofing for significant cost savings. Strong ROI in high-wind zones.
3. Roof Deck
Current: A (6d nails, 6"/12" spacing)
HIGH ROI
Payback Period
4-12 years
Re-nail with 8d nails at enhanced 6"/6" pattern for maximum deck attachment credit. Best done during re-roofing.
6. SWR
Current: No (No secondary water resistance)
HIGH ROI
Payback Period
2-13 years
Apply peel-and-stick underlayment or foam adhesive to the roof deck. Best done during re-roofing - adds minimal cost but yields a significant premium credit. One of the highest-ROI upgrades available.
7. Opening Protection
Current: X (Level X - No windborne debris protection)
HIGH ROI
Est. Cost
$2,000-$25,000+
Annual Savings
$500-$1,500
Payback Period
2-17 years
Upgrade the weakest openings to achieve a higher OIR classification. Options include impact-rated windows/doors, hurricane shutters (accordion/panel), or garage door bracing. See the detailed Opening ROI Analysis section above for per-opening cost breakdowns.
4. Roof-to-Wall
Current: C (Single clips with structural nails)
MEDIUM ROI
Payback Period
4-11 years
Upgrade from structural-nailed clips to full wraps for the highest credit tier.
Disclaimer: All costs are mid-range estimates for Florida residential projects (2024-2026) and vary by contractor, material, labor market, and property specifics. Annual savings estimates assume a typical annual premium of $3,500-$5,000 and are based on conservative carrier discount differentials. Roof geometry upgrades are structural and typically not feasible on existing homes. Always obtain contractor quotes and consult your insurance agent for binding premium estimates.
Vcita Home Inspection & Service LLC
Wind Mitigation Credit Summary
Prepared for your insurance agent & policy quote
Property
8421 Sunset Terrace Dr, Port St. Lucie, FL, 34986
Homeowner
Robert Thompson & Jennifer Thompson
Inspected: May 2, 2026
Overall Wind Mitigation Score
62/105
Fair
Your home qualifies for wind mitigation premium credits
What's Strong
✅
Florida Building Code
Compliant (Post-2002)
✅
Roof Covering
FBC Product Approved
✅
Roof Geometry
Hip roof (best tier)
Opportunities for Additional Savings
🔄
Roof Deck Attachment
Standard nailing - re-nail at next re-roof for credit
🔄
Roof-to-Wall Connection
Clips - upgrade to wraps for significant savings
⚡
Secondary Water Resistance
Not present - add during next re-roof for high-ROI credit
🔄
Opening Protection
X - Upgrade weakest openings for savings
📋 For the Insurance Agent
The official OIR-B1-1802 wind mitigation form is included with this summary. All features have been verified through on-site inspection with photographic evidence. Use the carrier discount table in the full companion report for policy quoting.
📞 Questions? Contact Us
Vcita Home Inspection & Service LLC
(772) 224-5655
Serving All of Florida - Licensed & Insured
This summary is for informational purposes only and does not constitute a binding insurance quote. Actual premium credits are determined by your insurance carrier based on their current rate filings. Assessment ID: wm-sample-mktg-001
