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International Association of Certified Home Inspectors

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Wind Mitigation

Did You Know?

All Florida insurance providers are required to offer windstorm premium discounts to homeowners that have enhanced structural features in their homes; for example: hip roof, hurricane straps or clips and roof covering meeting the 2001 Florida building code.

  • If your roof meets 2001 Florida Building Code (FBC) Compliance or 1994 South Florida Building Code get up to 45% discount of your wind insurance.
  • Roof deck attachment method gets up to 5% discount.
  • Roof-to-wall connection method gets up to 18% discount.
  • Roof shape gets up to 23% discount.
  • Opening protection system gets up to 5% discount.

The Wind Inspection

To qualify for wind mitigation discounts on your insurance premium, you must have a Wind Mitigation Inspection, also called a Wind Inspection. The Wind Inspection takes approximately 20- 30 minutes and consists of an attic and exterior inspection. The attic inspection includes determining the deck (sheathing) type and thickness, type of deck-to-truss/rafter fastening system (8d nails, 6d nails, staples, etc.), nail spacing for the deck attachment, type of roof-to-wall fastening system (example: clips or single wrap straps) and gable bracing. The exterior inspection mainly consists of a visual inspection to determine the roof geometry (example: hip or gable) and to determine the existence of window/door hurricane impact-rated protection (shutters). The inspection is recorded on the Office of Insurance Regulation (OIR-B1-1802 Form) form, also known as the Uniform Mitigation Verification Inspection Form. Upon completion, the inspector will review the wind inspection with you and give you a copy of the form/photos that you can submit to your insurance company to check for applicable discounts. Discounts can be applied for 5 years from the date of the original inspection.

Scheduling an Inspection

The process for securing a wind inspection is easy. Just contact Advanced Home Inspections at (863) 385-4095 or (863) 414-5399 and schedule your Wind Mitigation Inspection appointment.

Inspection Fee

The cost for a wind inspection is $100. Payment due at time of inspection. Make checks payable to: Advanced Home Inspections.