How much can a wind mitigation inspection save me?

It varies by home and carrier, but South Florida homeowners commonly see hundreds of dollars a year off the wind portion of the premium — often more on a newer roof with impact protection.

How long is a Florida wind mitigation report valid?

Five years from the inspection date, unless the roof or openings change before then.

How much does a wind mitigation inspection cost?

Typically $75 to $150 stand-alone in South Florida, and less when bundled with a 4-point or full home inspection on the same visit.

Do you need to get in the attic?

Yes. Roof deck nailing and roof-to-wall connections can only be verified from inside the attic — that's where the biggest credits come from.

Insurance Discount Report

Wind Mitigation Inspection — Florida

A wind mitigation inspection documents the storm-resistant features already built into your home on the state's OIR-B1-1802 form. Florida insurers are required to credit those features, and for most South Florida homes the discount pays for the inspection several times over in the first year. We inspect the roof by hand, get into the attic to verify the roof-to-wall connections, and fill the form out so your carrier can apply every credit you qualify for.

What we inspect

Roof covering: material, permit dates, and Florida Building Code compliance
Roof deck attachment: nail size and spacing verified in the attic
Roof-to-wall connection: toe nails, clips, single or double wraps
Roof geometry: hip, gable, or other — photographed and measured
Secondary water resistance (SWR) barrier
Opening protection: impact glass, shutters, garage door rating
Photo documentation required by Florida carriers on the OIR-B1-1802 form

When to order it

Binding a new Florida homeowners policy
Annual renewal, or after a rate increase
After a new roof, impact windows, or shutters were installed
Buying a home and budgeting the insurance line

What to expect on inspection day

Access we need

Attic hatch, exterior of the home, garage, and any permit or roof paperwork you have. 30–60 minutes on site.

What we verify

Roof covering and permit dates, deck nailing, roof-to-wall connections, roof shape, secondary water resistance, and opening protection — each photographed for the carrier.

Delivery

Signed OIR-B1-1802 form same day or next morning, emailed to you and your agent on request. Valid for five years.

Frequently asked questions

How much can a wind mitigation inspection save me?: It varies by home and carrier, but South Florida homeowners commonly see hundreds of dollars a year off the wind portion of the premium — often more on a newer roof with impact protection.
How long is a Florida wind mitigation report valid?: Five years from the inspection date, unless the roof or openings change before then.
How much does a wind mitigation inspection cost?: Typically $75 to $150 stand-alone in South Florida, and less when bundled with a 4-point or full home inspection on the same visit.
Do you need to get in the attic?: Yes. Roof deck nailing and roof-to-wall connections can only be verified from inside the attic — that's where the biggest credits come from.

Related guide

Florida Wind Mitigation Guide

How the OIR-B1-1802 form works, which features earn credits, and what the savings actually look like.

Read the Florida Wind Mitigation Guide

Available across South Florida

Miami Fort Lauderdale West Palm Beach Key West Homestead Hialeah Coral Gables Kendall Doral Miami Beach Hollywood Pembroke Pines Boca Raton Delray Beach Key Largo Marathon