FL LICENSED & INSURED
1–2 HR ON-SITE
REPORT WITHIN 24 HOURS
OFTEN PAYS FOR ITSELF YEAR ONE
WHAT IS IT?
THE INSPECTION THAT
PAYS YOU BACK.
A Wind Mitigation Inspection documents the features of your home that protect it from hurricane and wind damage — things like how your roof is attached, what your roof covering is made of, and whether your windows and doors have impact protection.
Florida law requires insurance companies to offer premium discounts for these features. If your home already has them — and most do — you may be leaving real money on the table every year without this report.
The inspection itself is straightforward, non-invasive, and typically takes 1–2 hours. The report is submitted directly to your insurer or agent, who then applies any qualifying discounts to your policy.
What could you save?
ILLUSTRATIVE EXAMPLES — ACTUAL SAVINGS VARY BY CARRIER & HOME
HIP ROOF (VS. GABLE)
Up to 30%
IMPACT-RATED WINDOWS & DOORS
Up to 45%
ROOF-TO-WALL HURRICANE STRAPS
Significant
SECONDARY WATER RESISTANCE LAYER
Notable
Most homeowners recover the cost of this inspection within the first year of insurance savings. Discounts stack — the more qualifying features your home has, the greater the total reduction.
WHAT WE DOCUMENT
SIX FEATURES.
EVERY ONE DOCUMENTED
WITH PHOTOS.
These are the six items on the Florida OIR-B1-1802 Wind Mitigation form — the standard form accepted by all Florida insurers. We document each one thoroughly so your insurer has everything they need to apply your discounts.
01
Roof Covering
Material type (shingles, tile, metal) and installation method. Newer approved materials earn greater discounts than older or unapproved coverings.
02
Roof Deck Attachment
How the plywood or OSB roof deck is nailed or fastened to the roof framing. Longer nails at closer spacing indicate stronger attachment and earn larger discounts.
03
Roof Shape
Hip roofs (slopes on all four sides) are significantly more wind-resistant than gable roofs and typically earn the largest single discount on a Wind Mitigation report.
04
Secondary Water Resistance
An additional layer under the roof covering (like a self-adhering underlayment) that prevents water intrusion if the primary covering is damaged in a storm.
05
Roof-to-Wall Connection
How the roof structure connects to the walls — toenails, clips, single wraps, double wraps, or structural anchors. Stronger connections mean greater wind resistance and bigger discounts.
06
Opening Protection
Whether windows, doors, and garage doors have impact-rated protection (impact glass, shutters, panels). This is one of the most valuable features for both safety and insurance discounts.
HOW THE SAVINGS WORK
FROM INSPECTION
TO LOWER PREMIUM
HERE'S HOW IT WORKS.
01
We inspect and document
Our inspector photographs and documents each of the six wind mitigation features present at your home.
02
You receive the OIR-B1-1802 form
Within 24 hours, you receive the completed Florida standard Wind Mitigation form, signed by our licensed inspector.
03
Submit to your insurer or agent
Send the form to your insurance agent or carrier. They review each documented feature and apply the corresponding discounts.
04
Your premium drops
Qualifying discounts are applied to your policy — often immediately or at next renewal. Many homeowners see savings that cover the inspection cost within months.
Who should get this inspection?
YOU LIKELY QUALIFY IF ANY OF THESE APPLY
Your home has a hip roof
four-sided slopes are the single biggest wind mitigation discount trigger in Florida.
You have impact windows, doors, or shutters
these earn significant opening protection credits.
Your home was built after 2002
Florida building codes changed significantly after Hurricane Andrew, so newer homes often qualify for more credits.
You've never had a wind mitigation inspection
if you've owned your home for years without one, you may have been overpaying on insurance the entire time.
You recently re-roofed
a new roof with stronger attachment methods and approved materials can unlock new or larger discounts.
WHAT TO EXPECT
SIMPLE, NON-INVASIVE,
AND DONE IN HOURS.
Step 01
Schedule
Call, text, or fill out the form. Most wind mitigation inspections are available within 24–48 hours.
Step 02
We inspect
Non-invasive evaluation of your roof, connections, and openings. We take photos of every qualifying feature.
Step 03
Report delivered
You receive the completed OIR-B1-1802 form within 24 hours, signed and ready to submit to your insurer.
Step 04
Submit to insurer
Submit to your agent and watch your premium drop. We're available to answer any follow-up questions from your carrier.
