The Basics
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is a visual assessment of your home's ability to withstand wind damage from hurricanes and tropical storms. In Florida, insurers are required by law to offer discounts when your home has storm-resistant features — but only if those features are documented by a licensed inspector on the official OIR-B1-1802 form.
If you own a home in South Florida and you're not getting wind mitigation credits, you're probably paying too much for insurance. Plain and simple.
The Inspection
What Gets Checked During a Wind Mitigation Inspection?
The inspector evaluates seven key construction features. Each one that passes earns you a discount. Here's what we look at — and how we do it by hand, not with a drone.
Building Code
Was the home built under the 2001 Florida Building Code (or later)? Post-2002 construction automatically qualifies for significant credits.
Roof Covering
We physically examine shingles, tiles, or metal panels for proper fastening, condition, and wind-rated materials. Drones can't feel a loose tile.
Roof Deck Attachment
We get in the attic and check how the roof deck is nailed to the trusses — spacing, length, and ring-shank nails all matter.
Roof-to-Wall Connection
Hurricane clips, straps, or wraps? We verify every connection with a flashlight and a ladder — the most important discount on the form.
Roof Geometry
Hip roofs (sloped on all sides) perform better in wind than gable roofs. We measure and document the geometry precisely.
Secondary Water Resistance
Does your roof have a self-adhering underlayment or sealed decking? This secondary barrier can mean big savings if the shingles blow off.
Opening Protection
Impact-rated windows, shutters, or garage doors? We check labels, ratings, and installation to confirm they meet Florida standards.
A hands-on attic inspection reveals the roof-to-wall connections that qualify your home for wind mitigation credits.
The Bottom Line
How Much Can a Wind Mitigation Inspection Save You?
Florida law requires insurers to offer premium discounts for documented wind-resistant construction. Savings vary by home and policy, but many South Florida homeowners see reductions ranging from 10% to 45% on the wind portion of their premium. On a $3,000 annual policy, that can mean $300 to $1,350 back in your pocket every year.
The one-time cost of the inspection — typically between $75 and $150 — pays for itself in the first month. After that, it's pure savings.
Pricing
Wind Mitigation Inspection Cost in Florida
In South Florida, a standalone wind mitigation inspection typically runs $75–$150, depending on home size and location. At Primetime, we often bundle it with a4-point inspectionor full home inspection for a better rate.
Here's what you're paying for: a licensed inspector who physically walks your roof, crawls your attic, checks every strap and clip, and fills out the official state form that your insurance company requires. No shortcuts. No guessing.
What's Included
- On-site inspection by licensed professional
- Roof walking (no drones)
- Attic inspection of straps, clips & nails
- Official OIR-B1-1802 form completed
- Digital photos of all qualifying features
- Same-day or next-day report delivery
- Direct submission to your insurer (if needed)
Why Primetime
Why a Hands-On Inspector Matters for Wind Mitigation
Here's the truth: a drone can't verify a hurricane clip is properly nailed. It can't feel if a roof tile is loose. It can't crawl into a hot Florida attic and read the stamp on a metal strap. For wind mitigation credits, documentation is everything — and documentation requires being there.
At Primetime, we've been walking South Florida roofs since 2004. We know what insurers want to see, we know where builders cut corners, and we know how to document every qualifying feature so you get every dollar of discount you're entitled to.
"A missed clip is a missed discount. We don't miss clips."
Common Questions
Wind Mitigation Inspection FAQ
- Is a wind mitigation inspection required in Florida?
- No — it's not legally required. But it is the only way to unlock mandatory insurance discounts. Without one, you're paying full price.
- How long is a wind mitigation inspection good for?
- In Florida, wind mitigation inspections are valid for five years — as long as no major structural changes are made to the roof or openings.
- Can a roofing contractor do a wind mitigation inspection?
- Only a licensed home inspector, architect, engineer, or building code inspector can legally sign the OIR-B1-1802 form in Florida. A roofer alone cannot.
- Do I need a wind mitigation inspection for a new home?
- Newer homes built to the 2001 Florida Building Code or later often qualify automatically, but you still need the inspection and form to claim the discount.
- What's the difference between a 4-point and wind mitigation inspection?
- A 4-point inspection covers roof, electrical, plumbing, and HVAC for older homes. A wind mitigation inspection specifically documents storm-resistant features for insurance discounts. Many homeowners get both.
- How do I schedule a wind mitigation inspection?
- Call or text us, or book online. We offer same-week availability across South Florida — from Key West to The Palm Beaches.
Where We Work
Wind Mitigation Inspections Across South Florida
We perform wind mitigation inspections throughout South Florida, including:
Ready to Stop Overpaying for Insurance?
A one-hour wind mitigation inspection can save you hundreds — every year. Book yours with Primetime and get the hands-on inspection your home deserves.
Same-week availability · Licensed & insured · Serving South Florida since 2004