The Florida Wind Mitigation Inspection: What It Is, What It Saves, and How to Pass It
A wind mitigation inspection (form OIR-B1-1802) documents the storm-resistant features of your home and unlocks premium discounts that typically range from 20 to 60 percent of the wind portion. Most Florida homeowners leave thousands on the table every year because they never order one.
What does a wind mitigation inspection actually check?
Seven categories: roof covering code compliance, roof deck attachment (nail size and spacing), roof-to-wall connections (clips, single wraps, double wraps), roof geometry (hip beats gable), secondary water resistance (SWR underlayment), opening protection (impact glass or shutters), and the age of the roof itself. Each category scores independently and stacks into the total discount.
How much can it actually save?
On a typical Florida home with a $4,000 to $7,000 annual premium, full mitigation credits cut the wind portion by 20 to 60 percent. That commonly translates to $800 to $2,400 per year in real savings. The inspection itself costs $75 to $150 and the form is valid for five years.
Which upgrades give the best return?
Opening protection (impact glass or rated shutters on every opening including garage doors) and roof-to-wall connections (upgrading clips to double wraps during a reroof) move the needle the most. Secondary water resistance is cheap during a reroof and adds meaningful credit. Roof geometry you cannot change without rebuilding.
Do I need to redo the inspection after a reroof?
Yes. Any reroof, window replacement, or garage door upgrade changes the form. Always order a new wind mit immediately after the work passes final inspection and submit it to your carrier with a request for premium recalculation. Most carriers backdate the credit to the date of completion.
Can the contractor handle this for me?
We coordinate with licensed wind mitigation inspectors as part of every reroof and impact window project. The completed form goes straight to you and your insurance agent. No homework on your end beyond signing the carrier paperwork.
- →Form OIR-B1-1802 is valid for five years.
- →Opening protection and roof-to-wall connections move the needle most.
- →Reorder the inspection after any reroof, window, or garage door work.
- →Typical savings are $800 to $2,400 per year.
- →We coordinate the inspector as part of the project.
Related field notes.
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