Florida homeowners pay some of the highest insurance premiums in the country. But did you know there is a simple, affordable way to reduce your windstorm insurance by up to 70%? The answer is a wind mitigation inspection.
What is a Wind Mitigation Inspection?
A wind mitigation inspection is a specialized evaluation of your home’s construction features that make it more resistant to hurricane-force winds. Florida law (Section 627.0629, Florida Statutes) requires insurance companies to offer premium discounts for homes with qualifying wind-resistant features.
Learn more about our Wind Mitigation Inspection service.
How Much Can You Actually Save?
The savings depend on what features your home has. Here are typical discount ranges:
| Feature | Potential Discount |
|---|---|
| Hip Roof Shape | Up to 30% off windstorm premium |
| Hurricane Shutters (all openings) | Up to 40% off windstorm premium |
| Double Wrap Roof-to-Wall | Up to 50% off windstorm premium |
| FBC Equivalent Roof | Up to 33% off windstorm premium |
| Secondary Water Resistance | Up to 50% off windstorm premium |
| Combined Features | Up to 70% total savings |
Which Homes Qualify?
Almost any home in Florida can benefit from a wind mitigation inspection. Even older homes may have features that qualify for discounts, especially if they have been updated with:
- New roof installed after 2002 (Florida Building Code compliant)
- Hurricane impact windows or shutters
- Reinforced garage doors
- Upgraded roof-to-wall connections
The Inspection Process
A certified wind mitigation inspector will visit your home and evaluate seven key areas defined by the state-approved OIR-B1-1802 form:
- Building code compliance year
- Roof covering type and age
- Roof deck attachment method
- Roof-to-wall connection type
- Roof geometry (hip vs. gable)
- Secondary water resistance barrier
- Opening protection (windows, doors, garage)
How Long Does It Take?
A typical wind mitigation inspection takes about 30 to 45 minutes. You will receive your completed report within 24 hours, ready to submit to your insurance agent.
Is It Worth the Investment?
Absolutely. The inspection typically costs between $75 and $150, but the annual insurance savings can be $500 to $2,000 or more. Most homeowners recover the cost of the inspection within the first month of premium savings.
Get Your Wind Mitigation Inspection Today
Express Home Inspection LLC provides certified wind mitigation inspections throughout Miami-Dade County. Our reports are accepted by all Florida insurance carriers.
Call us today: (786) 306-7195