Terms of Service

1. Agreement to these terms

These Terms of Service form an agreement between you and Florida Wind Mit (“we”, “us”) covering your use of Florida Wind Mit, the web application at floridawindmit.com (the “Service”). By using the Service you accept these terms. If you do not accept them, do not use the Service.

2. Who may use the Service

You must be at least 18 years old. The Service produces the Uniform Mitigation Verification Inspection Form, which under section 627.711(2), Florida Statutes, may only be signed by specific categories of licensed professional — among them authorised home inspectors, building code inspectors, licensed contractors, professional engineers and registered architects.

You may use the Service to prepare a form only if you are qualified to sign it, or are working under the direct supervision of someone who is and who takes responsibility for the result. Nothing in the Service confers a licence, a qualification, or authority you do not already hold.

3. What the Service is, and what it is not

The Service is a guided data-entry and validation tool. It presents the questions on the form, checks your answers for internal consistency and for the omissions insurers most often reject, and assembles your answers and photographs onto a copy of the official form as a PDF.

The Service is not, and must not be relied on as:

• legal, engineering, architectural, construction or insurance advice;
• a determination of whether any windstorm mitigation discount applies to any property;
• an inspection, or any substitute for physically inspecting the property;
• a substitute for your own professional judgement on any question the form asks;
• a guarantee that any insurer, underwriter or regulator will accept a form you produce.

We are not affiliated with, endorsed by, or acting on behalf of the Florida Office of Insurance Regulation, the Florida Department of Financial Services, Citizens Property Insurance Corporation, or any insurer.

4. Your professional responsibility

This is the most important term in this agreement. The form carries statutory fraud statements, and under sections 627.711(4) through (7), Florida Statutes, knowingly providing false information on it can constitute a criminal offence and can expose you to administrative discipline against your licence.

That responsibility is yours alone and cannot be transferred to a software tool. Before you sign or submit a form prepared with the Service, you are responsible for inspecting the property competently, verifying every answer against what you actually observed, confirming the photographs are of that property and depict what they are labelled as depicting, and reading the completed PDF in full.

The Service’s validation is an aid, not an audit. It can be wrong, it can be incomplete, and it can pass a form that is inaccurate. A warning the Service does not raise is not a statement that the answer is correct. Where the Service lets you acknowledge and proceed past a warning, that decision and its consequences are yours.

5. The government form

The Service is built on form OIR-B1-1802 (Rev. 04/26), adopted by Rule 69O-170.0155, Florida Administrative Code. That form is a Florida government document and we claim no ownership of it.

We make a genuine effort to track the rulemaking record and to build on the currently adopted revision, but we do not warrant that the Service reflects the current revision at any given moment. Rules change, and a revision can be adopted before we implement it. Confirming that you are submitting the revision an insurer will accept remains your responsibility.

6. Information about your clients

You are responsible for the information you enter about homeowners, policyholders and other third parties. You represent that you have the authority to collect and record it and that you will handle the resulting form in line with your professional and legal obligations.

As described in our Privacy Policy, that information stays on your device unless you sign in, in which case we hold a backup copy of it as your processor and for no purpose of our own.

7. Your data lives on your device

The Service stores reports and photographs in your browser, and that copy is the primary one. Without an account it is the only one: there is no backup, no synchronisation and no recovery, and clearing browser data, browsing privately, switching devices, or the browser evicting storage will destroy your reports permanently.

If you sign in, the Service additionally keeps a backup copy of your reports. Backup is provided on a best-efforts basis: it depends on network connectivity, it may lag behind your most recent changes, and it is not a substitute for retaining the finished document.

We are not liable for lost, corrupted or unrecoverable reports or photographs under any circumstances, whether or not you have an account. Export the PDF and retain it yourself if the work matters.

8. Accounts

An account is optional; the Service is fully usable without one. Accounts are created by email sign-in link rather than a password, so the security of your account is the security of your email address.

You are responsible for all activity under your account, for keeping your email account secure, and for the accuracy of the details you save. Accounts are for a single named inspector — do not share one across a team. You may close your account at any time by emailing support@floridawindmit.com, and we may suspend or close an account that breaches these terms.

9. Fees, subscriptions and renewals

Paid plans are not yet available. This section takes effect only when they open, and using the free tier never results in a charge.

The Service offers a free tier that produces a watermarked PDF, and a paid plan that produces a clean, submittable PDF along with saved report history. Paid plan prices are those shown on our pricing page at the time you subscribe.

Paid plans are subscriptions that renew automatically at the end of each billing period — monthly or annual, as selected — at the then-current price, using your stored payment method, until cancelled. Fees are stated in US dollars and are exclusive of any applicable taxes.

9.1 Cancellation

You may cancel at any time. Cancellation stops the next renewal; it does not shorten the period you have already paid for, and you keep paid access until that period ends. To cancel, use the cancellation control in the Service or email support@floridawindmit.com.

9.2 Refunds

Because the free tier lets you build a complete report and see the resulting PDF before paying, fees are generally non-refundable, and we do not refund partial billing periods.

We will nonetheless refund in full if you were charged after cancelling, if a technical fault on our side prevented you from using a paid feature for a material part of a billing period, or if you contact us within 14 days of your first payment on a new subscription and have not exported a clean PDF. Refund requests go to support@floridawindmit.com.

9.3 Price changes and failed payments

We may change prices, with at least 30 days’ notice by email before the change applies to your renewal. Continuing after that date accepts the new price; cancelling before it avoids the charge. If a payment fails we may retry it and may suspend paid features until payment succeeds.

10. Acceptable use

You agree not to:

• use the Service to prepare a form you are not licensed or authorised to sign, or to assist anyone else in doing so;
• enter information you know to be false, or use the Service to produce a form intended to mislead an insurer;
• resell, sublicense, rent out or provide the Service to third parties as your own service;
• copy, decompile, reverse engineer or attempt to derive the source code of the Service, except where that restriction is unenforceable by law;
• scrape the Service, access it by automated means, or attempt to circumvent any watermark, usage limit, payment requirement or security measure;
• interfere with the Service or attempt to gain unauthorised access to any system.

11. Intellectual property

The Service — its software, interface, design, text, validation logic and branding — belongs to us and is protected by intellectual property law. Subject to these terms we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose.

The reports you create and the PDFs you export are yours. We claim no rights in your inspection data, and as it never reaches us, we could not use it if we wanted to.

12. Electronic signatures

The Service records typed signature entries for the inspector and homeowner blocks. You agree that electronic records and signatures may satisfy signature requirements under the federal Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transaction Act as adopted in Chapter 668, Florida Statutes.

Whether a particular electronic signature satisfies a particular insurer or regulator is determined by that recipient and by applicable law, not by us. You are responsible for obtaining signatures from the people entitled to give them, and for confirming the recipient accepts them in that form.

13. Disclaimer of warranties

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied. To the fullest extent permitted by law we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, accuracy and non-infringement.

We do not warrant that the Service will be uninterrupted, error-free or secure, that its validation will identify every problem with a form, or that any form produced with it will be accepted by any insurer or regulator.

14. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost business, lost data, lost reports or photographs, the cost of a re-inspection or a second site visit, a denied or reduced insurance credit, a rejected form, or any regulatory or disciplinary consequence — whether or not we were advised such damages were possible.

Our total aggregate liability arising out of or relating to the Service will not exceed the greater of the amount you paid us in the twelve months before the event giving rise to the claim, or one hundred US dollars (US$100).

Some jurisdictions do not allow certain exclusions or limitations, so parts of sections 13 and 14 may not apply to you. Nothing here limits liability that cannot lawfully be limited.

15. Indemnification

You agree to indemnify and hold harmless Florida Wind Mit and our employees and contractors from any claim, loss, liability, penalty or expense, including reasonable legal fees, arising from your use of the Service, any form you prepare, sign or submit, your handling of third-party personal information, or your breach of these terms or of any law or professional obligation.

16. Termination

You may stop using the Service at any time. We may suspend or terminate access if you breach these terms or use the Service unlawfully. Because your data is stored on your device, termination does not delete your reports; they remain until you delete them. Sections 4, 7, 11 and 13 through 18 survive termination.

17. Changes to these terms

We may update these terms and will change the date at the top of the page when we do. If a change is material we will give reasonable notice in the Service before it takes effect. Continuing to use the Service after that means you accept the updated terms.

18. Governing law and disputes

We are established in Poland. These terms are governed by the laws of Poland, without regard to its conflict of law rules, and any dispute will be brought before the courts of Poland having jurisdiction over our place of residence.

The Service is used to complete a Florida form, and nothing here displaces the Florida statutes and rules that govern that form or your licence — those apply to your work regardless of what law governs this agreement. Nor does this clause remove any protection available to you under mandatory law in your own jurisdiction that cannot be waived by contract.

19. General

If any provision is found unenforceable, it will be limited to the minimum extent necessary and the rest remains in force. Our failure to enforce a provision is not a waiver of it. You may not assign these terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. These terms, together with the Privacy Policy, are the entire agreement between us regarding the Service.

20. Contact

Questions about these terms: support@floridawindmit.com.