Florida homeowners pay some of the highest insurance premiums in the country. But did you know you could save up to 45% on your windstorm coverage with a simple wind mitigation inspection?
What is a Wind Mitigation Inspection?
A wind mitigation inspection documents the construction features of your home that help it resist wind damage during hurricanes and severe storms. The inspector completes an official state form (OIR-B1-1802) that your insurance company uses to calculate discounts.
What Features Qualify for Discounts?
The inspection evaluates seven key areas:
1. Roof Covering
Newer roofs (especially those installed after 2002 or meeting Florida Building Code) qualify for larger discounts.
2. Roof Deck Attachment
How the plywood is attached to the trusses. More nails and closer spacing = better wind resistance.
3. Roof-to-Wall Connection
This is the biggest factor. Connections include:
- Toe nails — minimal discount
- Clips — moderate discount
- Single wraps — good discount
- Double wraps — maximum discount
4. Roof Geometry
Hip roofs (sloped on all four sides) perform better in hurricanes than gable roofs.
5. Secondary Water Resistance (SWR)
A sealed roof deck that prevents water intrusion if shingles blow off. This is a valuable upgrade.
6. Opening Protection
Hurricane shutters, impact windows, or impact-resistant doors protecting all openings.
7. Window/Door Protection
The type and rating of protection on all openings.
How Much Can You Save?
Savings vary based on your home's features and your insurance company, but typical discounts include:
| Feature | Potential Savings |
|---|---|
| Hip Roof | 5-10% |
| Roof-to-Wall Clips | 10-20% |
| Hurricane Shutters | 5-15% |
| Secondary Water Resistance | 5-10% |
| Double Wraps | 20-30% |
Combined, these features can save you $500 to $2,000+ per year.
The Inspection Process
- Schedule your inspection (takes about 30-45 minutes)
- Inspector documents all wind-resistant features with photos
- You receive the official OIR-B1-1802 form
- Submit the form to your insurance company
- Discounts are applied to your next renewal
Is It Worth It?
A wind mitigation inspection typically costs $75-$150. If it saves you $300+ per year on insurance, it pays for itself in the first few months — and the report is valid for 5 years!
Don't Leave Money on the Table
Many Florida homeowners are paying more than they should because they've never had a wind mitigation inspection. Even if you don't think your home has special features, it's worth getting checked — you might be surprised at the discounts you qualify for.
