If you own a Florida home, a wind mitigation inspection is the cheapest way to potentially cut your premium, because state law requires insurers to give credits for construction features that resist hurricane winds. Many homeowners are paying for features they already have but never documented.
What a wind mit inspection checks
A licensed inspector completes the state form (OIR-B1-1802), documenting the features that matter most in a windstorm:
- Roof covering and whether it meets the current building code
- Roof deck attachment (nail type and spacing)
- Roof-to-wall connection (toe nails, clips, single wraps, or double wraps)
- Roof geometry (a hip roof earns the most)
- Secondary water resistance (SWR)
- Opening protection (impact windows or shutters)
How much it can save
Credits vary by home, but the gap between a house with nothing documented and one with a hip roof, double wraps, SWR, and impact protection can be hundreds to well over a thousand dollars a year. The roof-to-wall connection and opening protection usually drive the biggest credits.
What it costs and how long it lasts
A wind mit inspection typically runs $75 to $150, and the report is good for five years. That is one of the best returns in all of homeownership.
The re-inspection opportunity
If your last inspection marked features "unknown" (often because the inspector had no attic access), you may be rating at the worst level for things your home actually has. A fresh inspection can recover those credits, which matters even more now that rates are easing and carriers are competing.
Frequently asked questions
Do I need a wind mitigation inspection?
It's not required, but skipping it usually means leaving money on the table. Without one, insurers assume your home has none of the wind-resistant features that earn credits.
How much can a wind mit inspection save?
It depends on your home's features, but savings of a few hundred to over a thousand dollars a year are common, against an inspection cost of roughly $75 to $150.
How often do I need a new one?
The report is valid for five years. It's also worth re-inspecting after a roof replacement or new impact windows, since those add credits.
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