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 does a wind mitigation inspection cost in Florida?
- 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. For most homes the first-year insurance savings exceed the fee.
- How much can a wind mitigation inspection save me on insurance?
- 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-rated openings. Florida law requires insurers to credit the wind-resistant features your home has.
- How long does a wind mitigation inspection take?
- Plan on 30 to 60 minutes on site. Most of that time is in the attic verifying roof deck nailing and roof-to-wall connections, plus exterior photos of the roof shape and opening protection.
- What form is used for a wind mitigation inspection in Florida?
- The state's Uniform Mitigation Verification Inspection Form, OIR-B1-1802. It documents seven categories: building code compliance, roof covering, roof deck attachment, roof-to-wall connection, roof geometry, secondary water resistance, and opening protection. Your insurance carrier uses it to apply wind-mitigation credits.
- What documents should I have ready?
- Roof permits and invoices, window or shutter product approvals (Miami-Dade NOA or Florida Product Approval numbers), and garage door rating paperwork if you have it. Documentation isn't required — we verify what we can in person — but permits can earn credits a visual check can't confirm.
- How long is a Florida wind mitigation report valid?
- Five years from the inspection date, unless the roof or openings change before then. Reorder after a new roof, new impact windows, or shutters so the credits reflect the upgrade.
- Is a wind mitigation inspection required in Florida?
- It's not legally required, but insurers generally won't apply wind-mitigation discounts without one. If you're binding a new policy or facing a rate increase, carriers and agents routinely ask for the OIR-B1-1802 form.
- 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. We walk every roof by hand too; no drones.
- Can I fail a wind mitigation inspection?
- No. It's not pass/fail — it simply documents the features your home has. Even a home with minimal wind resistance just receives fewer credits; the report never raises your premium on its own.
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 GuideRelated inspections
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