Wind Mitigation
Inspection
Lower your Florida homeowner's insurance by up to 45%. Our certified inspectors document your home's wind-resistant features and deliver the official OIR-B1-1802 report your carrier requires.
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is a visual examination of your home's key structural features that protect it from hurricane and tropical storm damage. In Florida, these inspections are required by state law to qualify for insurance discounts.
Our inspectors complete the state-mandated Uniform Mitigation Verification Inspection Form (OIR-B1-1802), which your insurance carrier uses to calculate your discount. Florida Statute 627.0629 requires all carriers to offer these discounts.
Insurance companies are legally required to offer discounts for homes with documented wind-resistant features. Your inspection pays for itself.
6 Things We Inspect
Every wind mitigation inspection covers these six categories, each contributing to your final insurance discount calculation.
Roof Covering
Age, type, and installation method of your roof covering -- shingles, tiles, or metal -- and whether it meets current Florida Building Code standards.
Roof Deck Attachment
How the roof sheathing (plywood or OSB) is nailed to trusses or rafters, including nail type, size, and spacing patterns.
Roof-to-Wall Attachment
Verification of hurricane clips, straps, or toe nails connecting the roof structure to exterior walls -- the single most important wind-resistance factor.
Secondary Water Resistance
A protective underlayer beneath the roof covering that prevents water intrusion if the primary covering is compromised during a storm.
Opening Protection
All windows, doors, and skylights are evaluated for hurricane-rated impact glass, accordion shutters, or panel protection systems.
Roof Geometry
The shape of your roof -- hip, gable, flat -- directly affects wind resistance. Hip roofs receive the highest insurance discount ratings.
Why Wind Mitigation Matters in Florida
Florida's geography makes it the most hurricane-vulnerable state in the nation. Insurance premiums here are among the highest in the country -- and a wind mitigation inspection is the single most effective way to legally reduce them.
Florida Statute 627.0629 mandates that insurance carriers offer discounts for documented wind-resistant features. The discount amount varies based on your home's construction, the specific wind-resistant features present, and your individual carrier's rating guidelines.
Our 4-Step Process
From booking to savings, the entire process is designed to be fast, simple, and stress-free.
Schedule Your Inspection
Call us at (305) 429-0373 or book online. We offer flexible scheduling including evenings and weekends across all of Florida.
Certified On-Site Assessment
A licensed Florida inspector visits your property and meticulously examines all six wind-resistance categories in 30-60 minutes.
Official OIR-B1-1802 Report
We generate the state-required Uniform Mitigation Verification Inspection Form, delivered digitally within 24-48 hours.
Submit and Start Saving
Send the report to your insurance carrier. Most homeowners see their updated premium on the very next renewal statement.
Real Florida Homeowners, Real Savings
"JAX was thorough and professional. My insurance carrier accepted the report right away and I qualified for a discount I didn't even know was available."
"I had no idea my hip roof qualified for additional wind mitigation credits. After the inspection, my carrier applied a significant discount at renewal."
"Fast, professional, and the report was accepted by my insurance company without any issues. The whole process took less than an hour."
Florida Wind Mitigation Inspection: Key Facts
What is a wind mitigation inspection in Florida?
A wind mitigation inspection evaluates construction features of a Florida home that reduce wind damage during hurricanes and tropical storms. The inspection is performed by a licensed Florida inspector using the OIR-B1-1802 form, which is the official state form accepted by all Florida insurance carriers. The completed form documents roof shape, roof-to-wall connections, roof deck attachment, roof covering type, and opening protection. Insurance carriers are required by Florida law to offer premium discounts for verified wind-resistant features.
What does a wind mitigation inspection evaluate?
A Florida wind mitigation inspection evaluates the following construction features:
- Roof shape (hip roofs provide the greatest wind resistance)
- Roof deck attachment method (nail type, spacing, and pattern)
- Roof-to-wall connections (hurricane clips, straps, or bolts)
- Roof covering type and installation date
- Secondary water resistance barrier on the roof deck
- Opening protection (windows, doors, and skylights rated for wind and impact)
Insurance requirements for wind mitigation in Florida
Florida Statute 627.0629 requires all residential property insurance carriers to offer premium discounts for verified wind-resistant construction features. The discount is calculated based on the specific features documented on the OIR-B1-1802 form. A wind mitigation inspection is valid for 5 years. Homeowners must submit the completed form to their insurance carrier to receive any applicable discounts. The inspection is not required by law, but is the only way to qualify for wind mitigation insurance discounts in Florida.
Frequently Asked Questions
Stop Overpaying for
Florida Home Insurance
Schedule your certified wind mitigation inspection today. Wind mitigation inspections may help homeowners qualify for insurance discounts depending on the property's construction features and the insurance provider's guidelines.
Licensed and insured Florida inspectors. Reports accepted by all carriers.