Florida Wind Mitigation Inspection Guide

A wind mitigation inspection is an inspection of a Florida home's wind-resistant features, performed by a qualified inspector using the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802). The inspection evaluates: - Roof covering (type and age) - Roof deck attachment (nail size and spacing) - Roof-to-wall connections (clips, straps, or single wraps) - Roof geometry (hip, gable, or flat) - Secondary water resistance (SWR) — a self-adhering underlayment - Opening protection (impact-rated windows and doors) The results of the wind mitigation inspection are submitted to the homeowner's insurance company, which uses the information to calculate wind mitigation discounts.

Wind mitigation discounts can significantly reduce Florida homeowner's insurance premiums. The largest discounts are typically for: - Hip roof geometry (vs. gable roof) - Opening protection (impact-rated windows and doors) - Roof-to-wall connections (hurricane straps) - Roof deck attachment (8d ring-shank nails at 6" spacing) For homes with all of these features, wind mitigation discounts can reduce the wind portion of the insurance premium by 50–70%.