Florida law requires insurers to give you credit for the features that help your home survive a hurricane. A wind mitigation inspection documents those features on the state’s OIR-B1-1802 form — and for most homeowners, it pays for itself the first year.
Under Florida law (Statute 627.711), insurers must offer premium discounts for verified wind-resistant construction. The catch: your carrier won’t apply those credits until a qualified inspector documents them on the official form. If your home has a hip roof, hurricane straps, a sealed roof deck, or impact protection, you may be overpaying right now.
The wind portion of a Florida premium is substantial. Documenting even a few of these features can translate into meaningful annual savings — frequently enough that the inspection pays for itself in year one.
The completed OIR-B1-1802 is generally honored for about 5 years.
Newer homes and recently upgraded homes (new roof, impact windows, shutters) often have the most uncaptured credits.
No qualifying features yet? The form doubles as a roadmap to the upgrades worth the most.
The state’s uniform mitigation form looks at seven things. We document each one precisely — because the difference between a toe-nail and a double wrap, or a gable and a hip, is real money on your premium.
We document the year of construction or permit and whether the home falls under the 2001 Florida Building Code (or the 2002 South Florida Building Code). A home built to modern code starts from a stronger, credit-earning baseline.
We verify whether each roof covering carries Florida Building Code or Miami-Dade product approval and record the install or permit date. Approved, properly permitted coverings support a credit.
Fastener type and spacing matter: 8d nails at tighter spacing, or a dimensional-lumber deck, resist uplift far better than minimal nailing — and earn a larger credit.
Often the single biggest variable. We classify the connection — toe-nails, clips, single wraps, or double wraps. Double wraps (straps wrapping the truss to the wall) earn the largest credit in this category.
A hip roof — sloped on all four sides — sheds high wind far better than a gable or flat roof, and earns its own dedicated credit when it qualifies.
A self-adhering membrane (peel-and-stick) sealing the roof deck beneath the covering keeps water out if the covering is lost in a storm — and earns a credit when present.
Impact-rated glass or shutters protecting every opening earns the largest opening-protection credit; partial or no protection earns less. We document the level on every opening.
On site, we photograph and verify each of the seven areas — roof shape, deck and roof-to-wall attachment, covering, secondary water resistance, and opening protection.
Your results go on the OIR-B1-1802 with the supporting photos your carrier requires — ready to hand straight to your agent.
Submit the form and your carrier applies every discount you qualify for. The credit typically holds for about five years.
A single flat rate, the same for every customer — no square-footage tiers, no add-ons. You’ll likely earn it back in your first renewal.
Standalone wind mitigation inspection. See full pricing.
One inspector, fast turnaround, the official form your insurer accepts. Book your wind mitigation inspection and find out what you qualify for.
