Final answer:
All options except the Insurance agent may be allowed to perform official wind mitigation inspections meeting the requirements for insurance premium discounts. (option D)
Step-by-step explanation:
Insurance agents are generally not qualified to perform official wind mitigation inspections that meet the requirements for insurance premium discounts. Wind mitigation inspections are typically conducted by professionals with specific expertise in building structures and safety.
A licensed contractor (Option A) is often qualified to perform wind mitigation inspections because of their knowledge of construction and building practices. Similarly, a certified building inspector (Option B) possesses the necessary skills to evaluate a structure's resilience against wind-related risks.
However, a homeowner (Option C) may or may not be qualified, depending on their knowledge and expertise. Some insurance providers may accept inspections conducted by homeowners, but it's crucial to check specific requirements and regulations.
Insurance agents (Option D), while knowledgeable about insurance policies, are not trained or licensed to assess the structural aspects of a building. Wind mitigation inspections typically involve a detailed evaluation of a property's construction features, such as the roof, doors, and windows, which goes beyond the expertise of insurance agents.