Wind Mitigation Inspection
Wind Mitigation Inspections in Seminole & Volusia Counties
Florida law requires insurers to offer premium discounts for homes with verified wind-resistant features. A wind mitigation inspection documents the features your home already has — so you stop paying for credits you never claimed.
What It Is
The inspection that documents discounts you may already qualify for
A wind mitigation inspection is a short, focused visit that records how your home is built to resist high winds. The findings are recorded on the state's Uniform Mitigation Verification Inspection Form (form OIR-B1-1802) — the same standardized form every Florida insurer accepts. You send the completed form to your agent, and any credits your home qualifies for are applied by your carrier.
Nothing about your home changes during the inspection — we are documenting what is already there. Most carriers accept the form for up to five years, and the credits are applied for as long as the form is on file. The amount varies by carrier and by which features your home has.
The Seven Categories
What we document on the state form
The form covers seven categories. Your home does not need to qualify in all of them — every category it does qualify for is a credit your carrier can apply.
1. Building Code Compliance
The year your home was built and its permit application date, which establish the building code it was constructed under. This sets the baseline for several other credits.
2. Roof Covering
The type of roof covering and whether it meets current Florida Building Code or Miami-Dade product approval standards, along with permit dates and any documentation available.
3. Roof Deck Attachment
How the roof sheathing is fastened to the trusses — nail size and spacing, staples, or dimensional lumber. Stronger deck attachment earns a stronger credit.
4. Roof-to-Wall Attachment
How the roof structure ties into the walls: toe nails, clips, single wraps, or double wraps. This is frequently the single largest credit on the form.
5. Roof Geometry
Whether the roof is a hip shape or another configuration. Hip roofs shed wind more effectively and may qualify for a separate credit.
6. Secondary Water Resistance
A secondary barrier beneath the roof covering — such as self-adhering underlayment or foam-sealed deck seams — that limits water intrusion if the covering is lost.
7. Opening Protection
Impact-rated windows, doors, skylights, garage doors, and shutters. Your rating is based on the least-protected opening, so one unprotected window affects the whole category.
Who Needs One
Worth scheduling if any of these sound familiar
You have never had one done
If there is no mitigation form on file with your carrier, you are very likely being rated without any wind credits at all.
Your roof was replaced
A re-roof can change roof covering, deck attachment, roof-to-wall attachment, and secondary water resistance all at once. An updated form should follow every new roof.
Your form is five years old or older
Most carriers stop honoring the form after about five years. A current form keeps the credits in place.
Your premium jumped at renewal
Rising premiums are the most common reason homeowners in Seminole and Volusia Counties call us. An updated form is one of the few levers you control.
The Process
Simple from start to finish
Schedule It
Call or send a message and we will find a time that works. We inspect throughout Seminole and Volusia Counties.
We Document Everything
We photograph and measure the roof, attic access, and every opening. For most homes this takes about an hour.
Send It To Your Agent
You receive the completed, signed OIR-B1-1802 with the supporting photos, ready to forward to your insurer.
Insurance Savings
Find out what your home already qualifies for
Honest, thorough documentation from an InterNACHI-certified inspector. Serving Seminole & Volusia Counties.