What Is a Wind Mitigation Inspection?
(and How It Lowers Premiums)

What Is a Wind Mitigation Inspection?

A wind mitigation inspection is a specialized assessment performed by a licensed inspector to document the specific wind-resistant features of your home. In Florida, this is documented on the standardized OIR-B1-1802 form. Under Florida Statute 627.0629, insurers are mandated to apply premium discounts for verified wind-resistant features.

Key Features Inspectors Look For

To maximize your savings, the inspection will evaluate several structural components:

Roof Geometry

Hip roofs — where all sides slope downward — perform exceptionally well in high winds and often yield the highest discounts.

Roof-to-Wall Connections

Inspectors check the hardware holding your roof to the walls, looking for strong connections like toe-nails, clips, single wraps, or double wraps.

Roof Deck Attachment

This looks at how securely the roof decking is fastened to the trusses, including the nail size, type, and spacing.

Secondary Water Barrier (SWR, Peel and Stick)

Often referred to as "peel and stick" underlayment, this self-adhering polymer layer is applied directly to the bare roof decking. If high winds manage to tear off your primary roof covering (like shingles or tiles), this barrier seals the seams in the wood and prevents water from pouring into your home.

Opening Protection

Protecting windows and doors is crucial. To get full credit in this category, every opening must have qualifying impact protection, such as impact-rated windows or code-approved shutters.

How to Get Your Discount

These inspection reports are generally valid for five years. If you have updated your roof covering or added impact windows recently, scheduling an inspection can easily offset its $75 to $150 typical cost through substantial policy credits.