A Wind Mitigation Inspection identifies how well your home is built to withstand high winds—and may qualify you for discounts on your homeowners insurance.

A Wind Mitigation Inspection identifies how well your home is built to withstand high winds—and may qualify you for discounts on your homeowners insurance.

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WIND MITIGATIONS -
Save Money. Stay Safer. Protect Your Home from Florida Storms

After Hurricane Andrew devastated South Florida in 1992, the state rewrote its building codes to strengthen homes against hurricane-force winds. By 2001, new construction standards were implemented to require tougher roof attachments, impact-resistant openings, and better structural connections—especially in coastal areas.

To encourage homeowners with older homes to upgrade—or prove existing resilience—insurance companies began offering wind mitigation discounts. A Wind Mitigation Inspection is how you verify those features, qualify for savings, and protect your investment.


After Hurricane Andrew devastated South Florida in 1992, the state rewrote its building codes to strengthen homes against hurricane-force winds. By 2001, new construction standards were implemented to require tougher roof attachments, impact-resistant openings, and better structural connections—especially in coastal areas.

To encourage homeowners with older homes to upgrade—or prove existing resilience—insurance companies began offering wind mitigation discounts. A Wind Mitigation Inspection is how you verify those features, qualify for savings, and protect your investment.


Why Wind Mitigations Exist: A Florida Story

  • What we check: Type of roofing material (shingle, metal, tile) and whether it meets Florida Building Code. Verified by permit date or re-roof documentation.

  • Why it matters: Strong, code-compliant materials are better at withstanding wind uplift—and help qualify your home for insurance credits.
  • What we check: Type of roofing material (shingle, metal, tile) and whether it meets Florida Building Code. Verified by permit date or re-roof documentation.

  • Why it matters: Strong, code-compliant materials are better at withstanding wind uplift—and help qualify your home for insurance credits.
  • What we check: Whether your roof is a hip, gable, or another shape.

  • Why it matters: Hip roofs are more aerodynamic and perform better under wind pressure—making them more favorable for discounts.

  • What we check: Whether your roof is a hip, gable, or another shape.

  • Why it matters: Hip roofs are more aerodynamic and perform better under wind pressure—making them more favorable for discounts.

  • What we check: Type of connectors between the roof and walls—such as toe nails, clips, or metal wraps.

  • Why it matters: Stronger attachments help the roof stay secured to the home in high winds. This item carries one of the biggest impacts on insurance discounts.
  • What we check: Type of connectors between the roof and walls—such as toe nails, clips, or metal wraps.

  • Why it matters: Stronger attachments help the roof stay secured to the home in high winds. This item carries one of the biggest impacts on insurance discounts.
  • What we check: Type of connectors between the roof and walls—such as toe nails, clips, or metal wraps.

  • Why it matters: Stronger attachments help the roof stay secured to the home in high winds. This item carries one of the biggest impacts on insurance discounts.
  • What we check: Type of connectors between the roof and walls—such as toe nails, clips, or metal wraps.

  • Why it matters: Stronger attachments help the roof stay secured to the home in high winds. This item carries one of the biggest impacts on insurance discounts.
  • What we check: Whether your roof has an additional waterproof underlayment like peel-and-stick membrane.

  • Why it matters: This protects your home from water intrusion even if the roof is damaged—important in Florida’s rainy climate.

  • What we check: Whether your roof has an additional waterproof underlayment like peel-and-stick membrane.

  • Why it matters: This protects your home from water intrusion even if the roof is damaged—important in Florida’s rainy climate.

  • What we check: Windows, doors, and skylights for impact-rated glass or approved shutters. Verified with labels or documentation.

  • Why it matters: All glazed openings must be protected to receive full insurance credit for wind protection.

  • What we check: Windows, doors, and skylights for impact-rated glass or approved shutters. Verified with labels or documentation.

  • Why it matters: All glazed openings must be protected to receive full insurance credit for wind protection.

  • What we check: When the home was built or last roofed to determine which version of the Florida Building Code applies.

  • Why it matters: Homes built after March 1, 2002, generally meet stricter wind standards and may qualify automatically for savings.

  • What we check: When the home was built or last roofed to determine which version of the Florida Building Code applies.

  • Why it matters: Homes built after March 1, 2002, generally meet stricter wind standards and may qualify automatically for savings.

  • What we check: We compile an official OIR-B1-1802 Wind Mitigation Report and detailed photo documentation.

  • Why it matters: You’ll have everything needed to submit to your insurer—and a record for future renewals or provider changes.

  • What we check: We compile an official OIR-B1-1802 Wind Mitigation Report and detailed photo documentation.

  • Why it matters: You’ll have everything needed to submit to your insurer—and a record for future renewals or provider changes.

Roof Covering

Roof Shape

Roof Deck Attachment

Roof-to-Wall Attachment

Secondary Water Resistance

Opening Protection

Year Built & Code Compliance

Documentation & Report Submission

WHAT

WE

INSPECT

After a New Roof Installation
After a New Roof Installation
If your roof was recently replaced or upgraded, it likely qualifies for new insurance credits.
If your roof was recently replaced or upgraded, it likely qualifies for new insurance credits.
When Buying or Selling a Home
Get ahead of the process and secure discounts from day one—or offer the report as a bonus to your buyer.


Get ahead of the process and secure discounts from day one—or offer the report as a bonus to your buyer.


Before Renewing Your Insurance Policy
Submit the report before your next renewal and take advantage of any discounts that apply.
Submit the report before your next renewal and take advantage of any discounts that apply.
If You’re Unsure What’s on File
If your insurance company doesn’t have an up-to-date report—or if you’ve never had one done—it’s worth checking. You could be overpaying.
If your insurance company doesn’t have an up-to-date report—or if you’ve never had one done—it’s worth checking. You could be overpaying.
Every 5 Years or After Major Upgrades
Building codes change. So do insurance guidelines. Re-check your discounts if you’ve added shutters, changed your roof, or replaced windows.


Building codes change. So do insurance guidelines. Re-check your discounts if you’ve added shutters, changed your roof, or replaced windows.


When to Schedule a Wind Mitigation Inspection

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Storm-Proof Your Peace of Mind?

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