Why a Wind Mitigation Inspection Matters in Florida

Living in Florida means dealing with hurricane season every year. But did you know you could save hundreds on your homeowners insurance just by having a wind mitigation inspection? This inspection evaluates the wind-resistant features of your home—like your roof shape, attachments, and window protection—and helps insurance companies determine your eligibility for discounts. In fact, Florida law requires insurers to offer discounts for homes with qualifying features.

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A proper wind mitigation inspection doesn’t just help your wallet. It gives you peace of mind knowing your home is better equipped to stand up to Florida’s wild weather

What’s Included in a Wind Mitigation Inspection

Our inspections are based on Florida’s standard OIR-B1-1802 form and include a full assessment of the following:

  • Roof Covering: Type of material (shingle, metal, tile) and age of the roof.

  • Roof Deck Attachment: Nailing pattern and spacing used to secure the roof deck to the trusses.

  • Roof-to-Wall Attachment: How your roof is connected to your home’s walls (clips, straps, or toenails).

  • Roof Geometry: Hip-shaped roofs are favored over gable shapes for better wind resistance.

  • Secondary Water Resistance (SWR): A waterproof layer under the roof covering that offers extra protection.

  • Opening Protection: Impact-rated windows, doors, and shutters that help shield your home from windborne debris.

Each of these features can contribute to potential discounts and improved storm readiness.

Benefits of Getting a Wind Mitigation Inspection

  • Lower Insurance Premiums: Florida insurance companies reward wind-resistant features with credits that reduce your policy costs.

  • Storm Preparedness: Understand how well your home is built to handle high winds.

  • Increased Resale Value: A home with wind mitigation features can appeal more to buyers and agents.

  • Peace of Mind: Feel confident during hurricane season knowing your home is better protected.

Who Needs a Wind Mitigation Inspection?

Wind mitigation inspections are highly recommended for:

  • Homeowners looking to lower their insurance rates

  • New home buyers needing insurance approval

  • Anyone with a new or recently upgraded roof

  • Homes built before the 2002 Florida Building Code updates

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Even if your home already has wind mitigation features, an inspection is the only way to officially document them and get credit from your insurer.

How to Prepare For The Inspection

To make the inspection go smoothly:

  • Provide Roof Documentation: Have any roofing permits, installation receipts, or product approval sheets ready.

  • Ensure Access: Make sure the inspector can get into the attic, garage, and around the exterior of your home.

  • Clear the Way: Trim back any vegetation or items that might block access to roof edges or windows.

Most inspections take about 30 to 60 minutes, and the report is usually available the same day.

Understanding the OIR-B1-1802 Form

This is the official wind mitigation inspection form used across Florida. It standardizes how inspections are conducted and what insurers use to determine your eligibility for discounts. Your inspector will complete this form and provide photos and documentation to support each section.

Our Florida Service Area

We proudly serve homeowners and real estate professionals throughout West Central Florida and the Nature Coast, including:

  • Hernando County (Spring Hill, Brooksville, Weeki Wachee)

  • Pasco County (New Port Richey, Wesley Chapel)

  • Citrus County (Inverness, Crystal River)

Get In Touch

Address: 2173 Danforth Rd, Spring Hill Florida 34608

Email: [email protected]

Hours of Operation:

Mon - Sat 8am to 6pm

Sunday – Closed

Spring Hill, FL, USA

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