The Role of Wind Mitigation
Under Florida insurance guidelines, companies are legally required to provide premium discounts for properties equipped with verified wind-resistive features. To claim these savings, you must order a wind mitigation inspection. A licensed inspector will review your home's structural defenses — roof shape, roof-to-wall tie-downs, and opening protections — and file an official OIR-B1-1802 inspection form.
The "All Openings" Requirement
To get the maximum possible discount for opening protection, every single exterior opening must be protected. This includes all standard windows, glass slider doors, front doors, side doors, and garage doors. If even one window or door lacks a certified impact rating or a code-approved shutter, the insurance company will deny the opening protection credit.
20% to 45% Windstorm Premium Reduction
When fully protected, homeowners often see a 20% to 45% reduction in the windstorm portion of their insurance premiums — allowing the windows to eventually pay for themselves.
- ✓ All windows & sliders protected
- ✓ Front & side doors protected
- ✓ Garage door impact-rated
- ✓ Wind mitigation form filed
Not sure if you'll meet the "all openings" test? Safetech Roofing & Windows can inspect your home and quote the openings you need to hit the maximum insurance discount.