For wind mitigation premium discount eligibility, roof coverings must be:

The correct answer encompasses all the requirements necessary for wind mitigation premium discount eligibility concerning roof coverings. Each of the criteria outlined—installation according to the Florida Building Code, the use of approved materials, and the necessity for testing—serves a specific purpose in ensuring that a roof can withstand high winds and potentially reduce damage during storms.

When roof coverings are installed according to the Florida Building Code, it signifies compliance with established safety and performance standards, which play a crucial role in enhancing the resilience of structures against wind events. Using approved materials ensures that the roofing components are recognized for their performance in adverse weather conditions, further contributing to the structural integrity of the building.

Additionally, testing of the roof coverings validates their ability to resist wind pressure and provides a documented assurance to insurers that the roof meets rigorous standards. By combining all these factors, the eligibility for wind mitigation premium discounts is established, promoting safer building practices and potentially lowering insurance costs for homeowners.

Thus, recognizing that all the mentioned criteria are essential in achieving the desired wind mitigation premium discount leads to the understanding that the correct choice is indeed inclusive of all these aspects.