What is a Florida wind mitigation inspection?

A Florida wind mitigation inspection documents the wind‑resistant features of a home using the Uniform Mitigation Verification Inspection Form (OIR‑B1‑1802). Inspectors evaluate roof covering, roof deck attachment, roof‑to‑wall connections, roof geometry, secondary water resistance, and opening protection to determine eligibility for state‑mandated insurance discounts.

Why do Florida insurance companies require wind mitigation inspections?

Florida law requires insurers to offer premium discounts for wind‑resistant construction features. A wind mitigation inspection provides documented proof of these features so carriers can apply credits that reduce the wind portion of the homeowner’s insurance premium.

How much can a wind mitigation inspection save on homeowners insurance?

Most Florida homeowners save between 10% and 45% on the wind portion of their premium, depending on the home’s features. Savings often exceed the cost of the inspection within the first year.

How long is a wind mitigation inspection valid?

Wind mitigation inspections are valid for five years, provided no structural changes have been made. Insurers cannot remove credits solely due to the age of the inspection if it was completed by a qualified inspector.

Who is allowed to perform a wind mitigation inspection in Florida?

Florida law restricts wind mitigation inspections to licensed professionals such as general contractors, roofing contractors, architects, professional engineers, and home inspectors who have completed the required wind mitigation training.

What features provide the strongest wind mitigation discounts?

The largest discounts typically come from impact‑rated opening protection, hip roof geometry, sealed roof decks, and roof coverings that meet current Florida Building Code or Miami‑Dade product approval standards.

Florida Wind Mitigation Inspection Guide

Save Money With Wind Mitigation 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 geometry (shape), roof deck attachment, secondary water resistance (SWR), and opening protection. These credits can reduce premiums by hundreds or even thousands of dollars per year.

What a Wind Mitigation Inspection Includes

Why Wind Mitigation Credits Matter

Wind mitigation 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 Mitigation 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 Mitigation 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

Disclaimer: This guide reflects my interpretation of the Florida wind mitigation inspection form for the purpose of applying insurance credits. It is not a substitute for a licensed inspection. If you need clarification on any construction feature, material, or compliance item, please consult a licensed Florida home inspector or contractor.

More Florida Home Insurance Guides

For personalized quotes with all eligible wind mitigation credits applied, visit our
Florida Homeowners Insurance Quote Page.

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If you have a wind mitigation report or need help getting one, I can apply all eligible credits and shop multiple carriers for the best rate.

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Additional Notes

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