Florida Wind‑Mitigation Inspection Guide
Save Money With Wind‑Mit Credits
A wind‑mitigation inspection can significantly reduce your Florida home insurance premium. Here’s how it works.
A Florida wind‑mitigation inspection evaluates how well your home is built to withstand wind damage. Carriers use this report to apply discounts for features like roof shape, roof deck attachment, secondary water barrier, and opening protection. These credits can reduce premiums by hundreds or even thousands of dollars per year.
What a Wind‑Mitigation Inspection Includes
- Roof shape (hip, gable, flat)
- Roof deck attachment (nail size & spacing)
- Roof‑to‑wall connection (clips, straps, wraps)
- Roof covering type and age
- Secondary water barrier
- Opening protection (impact windows, shutters)
Why Wind‑Mit Credits Matter
Wind‑mit credits are among the largest discounts available in Florida. Homes with strong wind‑resistant features often qualify for significantly lower premiums, especially inland properties with newer roofs.
Who Should Get a Wind‑Mit Inspection?
- Homes 2001 and older or if you install a new roof or wind mitigating features
- Homes with clips, straps, or wraps
- Homes with impact windows or shutters
- Homes with a hip roof
- Any homeowner looking to reduce premiums; though there is no guarantee it will save premium
How Much Can You Save?
Savings vary by carrier, but many homeowners see reductions of 20–40% on the wind portion of their premium. Coastal homes often benefit the most.
How to Get a Wind‑Mit Inspection
- Schedule a licensed inspector
- Receive the OIR-B1-1802 (Rev. 04/26) form
- Send the report to your insurance agent
- Credits are applied immediately
Get Help With Your Florida Home Insurance
If you have a wind‑mit report or need help getting one, I can apply all eligible credits and shop multiple carriers for the best rate.
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Need Help Applying Wind‑Mit Credits?
I can review your wind‑mit report and help you maximize discounts across multiple Florida carriers.
Why Choose Me for Your Florida Home Insurance?
- Local experience — I understand Florida wind‑mit credits and carrier rules.
- Multiple carriers — I shop many companies to help you save.
- Personal guidance — You work directly with me, not a call center.
Related Florida Insurance Pages
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