A wind mitigation inspection documents how well your home resists wind. Florida insurers must offer discounts for qualifying features, so a single inspection can lower the wind portion of your premium for years.
What is a wind mitigation inspection?
A licensed inspector — such as a home inspector, general contractor, building code inspector, architect or engineer — completes the state’s Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Your insurer uses it to apply wind credits.
What the inspector checks
- 1Building code — whether the home was built to the Florida Building Code (2001 or later).
- 2Roof covering — the permit date and product approval of your roof.
- 3Roof deck attachment — how the decking is nailed to the trusses.
- 4Roof-to-wall attachment — toe nails, clips, single or double wraps.
- 5Roof geometry — hip roofs typically earn more credit than gable roofs.
- 6Secondary water resistance — a barrier under the roof covering.
- 7Opening protection — impact windows, doors and shutters on every opening.
How long is it valid?
Wind mitigation reports are generally accepted for up to five years, as long as nothing material changes. If you replace your roof or add impact windows, get a new inspection to capture the added credits.
How we help
Send us your report and we’ll make sure every credit is applied — and compare carriers, since each prices mitigation features differently.
Frequently asked questions
How much does a wind mitigation inspection cost?
Costs vary by inspector and home, but it is typically a modest one-time fee compared with the potential annual savings. Many inspectors offer it together with a 4-point inspection.
Do I need a new inspection after a new roof?
Yes — a new roof usually changes several answers on the form and can increase your credits.
Questions about your policy?
Our Palm City agents will walk you through it — no obligation.
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Sources: Florida Office of Insurance Regulation. This guide is general information, not legal advice; your policy language controls your coverage. Last reviewed 2026-10-19.