What Is Wind Mitigation?
Wind mitigation is a standardized Florida inspection that documents how well your home is built to resist hurricane winds. The inspector checks seven specific features each earns a "credit" that reduces your insurance premium.
The Seven Wind Mitigation Credits
- Building code era when was your home built
- Roof covering shingle, metal, tile, age, condition
- Roof deck attachment how decking is nailed
- Roof-to-wall connection clips, straps, or double-wraps
- Roof geometry hip roofs get credits, gable doesn't
- Secondary water resistance peel & stick underlayment
- Opening protection impact windows, shutters, doors
How Much Can You Save?
Savings depend on how many credits your home earns:
- Average Florida home: meaningful credits applied
- Well-built hip roof home: stronger credits available
- Older home with minimal features: partial credits documented
Even the lowest savings amount pays for the inspection in year one.
When to Get Wind Mitigation Done
- Before your insurance renewal (so savings apply to new policy)
- After a roof replacement (new roof earns more credits)
- After installing impact windows or shutters
- If you've never had one done
- If your last one is over 5 years old
Our Process
- Schedule inspection typically 1-2 business days
- We inspect and photograph all seven credit areas
- Complete OIR-B1-1802 form (the state standard)
- Deliver report within 24-48 hours
- Submit directly to your insurance company if requested
- Your premium reduction applies at next renewal
Frequently Asked Questions
What is a wind mitigation inspection in Florida?+
A wind mitigation inspection documents your home's wind-resistant features using the state-mandated OIR-B1-1802 form. It examines seven categories: building code era, roof covering, roof deck attachment, roof-to-wall connections, roof geometry, secondary water resistance, and opening protection. Florida insurers are required by law to offer premium discounts for documented wind mitigation features.
How much does a wind mitigation inspection save on insurance?+
A wind mitigation report documents your home's wind-resistant features for the OIR-B1-1802 form. Florida carriers are required by law to apply credits when those features are documented. The flat-fee inspection typically returns quickly through those credits.
How often do I need a wind mitigation inspection?+
Wind mitigation reports are typically valid for 5 years. Some carriers accept older reports for policy renewals but require current reports for new policies. You should also get a new report after any roof replacement, hurricane shutter installation, or impact window upgrade these improvements may trigger additional carrier credits.
Is a wind mitigation the same as a 4-point inspection?+
No. These are two completely different inspections. A 4-point inspection examines roof, electrical, plumbing, and HVAC for insurance eligibility. A wind mitigation inspection examines seven specific wind-resistance features for insurance premium discounts. Most Florida homeowners benefit from having both the 4-point to get insurable, and the wind mitigation report to support carrier credits.
