A Wind Mitigation inspection documents the features that help a home resist hurricane winds, using Florida's official form OIR-B1-1802 (Uniform Mitigation Verification Inspection Form). Florida law requires insurers to offer premium discounts for these features, so the report can lower the windstorm portion of your homeowners insurance. A completed form is generally valid for up to 5 years if the home is not modified.
At a glance
| Price | Free quote — depends on the size and age of the home |
|---|---|
| Official form | OIR-B1-1802 (Uniform Mitigation Verification) |
| Inspection time | About 30–45 minutes |
| Report delivery | 24–48 hours, signed form with photos |
| Report validity | Up to 5 years if the home is not modified |
| Languages | English and Spanish |
What a Wind Mitigation inspection checks
- Building code — whether the home was built to the 2001 Florida Building Code or later.
- Roof covering — type and whether it meets current code (permit date helps).
- Roof deck attachment — how the roof sheathing is nailed to the trusses.
- Roof-to-wall attachment — toe nails, clips, single wraps, or double wraps.
- Roof geometry — hip roofs typically earn larger discounts than gable roofs.
- Secondary water resistance — a sealed underlayment beneath the roof covering.
- Opening protection — impact windows and doors or approved shutters on every opening.
Who should get one
Every Florida homeowner who has not submitted a Wind Mitigation form in the last 5 years, buyers before choosing an insurance policy, and anyone who recently replaced the roof or installed impact windows or shutters. The inspection often pays for itself through the insurance discount.
How to prepare
- Provide access to the attic so roof-to-wall connections can be photographed.
- Have roof permit dates and product approvals or receipts for windows, doors, and shutters if available.
- If you have removable shutters, have them available to photograph.
Ready to schedule?
Wind Mitigation · Free quote — depends on the size and age of the home
Frequently asked questions
How much can a Wind Mitigation inspection save on insurance?
It depends on your home's features and your insurer. Homes with a hip roof, roof clips or wraps, and impact-rated openings usually see the largest discounts on the windstorm portion of the premium. Your agent can estimate the savings once they have the form.
How long is a Wind Mitigation report valid in Florida?
A completed OIR-B1-1802 form is generally valid for up to 5 years, as long as no changes are made to the roof, openings, or structure.
Do I need a new Wind Mitigation after replacing my roof or windows?
Yes, it is recommended. A new roof or new impact windows can qualify you for better credits, but the insurer only applies them after receiving an updated form.
Is the Wind Mitigation included in a full home inspection?
Yes. Our full home inspection includes the Wind Mitigation and the 4-Point inspection.