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Wind Mitigation Inspections in The Villages & Central Florida
Florida law requires insurance companies to offer discounts to homeowners who have a wind mitigation inspection. Our licensed inspector evaluates your home's storm-resistant features and provides a report you can submit directly to your insurance company.
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is a formal evaluation of the wind-resistant construction features of your home. The inspector completes the Florida OIR-B1-1802 form — the standard document accepted by all Florida insurance carriers — which documents specific features of your home that reduce the risk of wind damage.
Florida Statute 627.0629 requires insurance companies to offer premium discounts, credits, or other rate differentials for buildings that have construction features that reduce the risk of damage from windstorms. In plain terms: if your home has qualifying features, your insurance company must give you a discount.
The inspection typically takes 30–60 minutes and the savings on your annual insurance premium can far exceed the cost of the inspection — often paying for itself many times over.
OIR-B1-1802 Form
The standard Florida wind mitigation form accepted by all insurance carriers. We complete it the same day as your inspection.
Florida Statute 627.0629
Florida law requires insurers to offer premium discounts for homes with qualifying wind-resistant construction features.
Same-Day Reports
We deliver your completed report the same day so you can submit it to your insurance company immediately.
The OIR-B1-1802 Form — What We Document
Florida's standard wind mitigation form covers seven key areas of your home's construction. Our inspector evaluates and documents each one.
Building Code
We identify which building code your home was constructed under. Homes built to the 2001 Florida Building Code or later may qualify for additional discounts.
Roof Covering
The type and age of your roof covering is documented. FBC-compliant roof coverings (installed after March 1, 2002) can earn significant credits.
Roof Deck Attachment
How the roof deck (plywood or OSB) is nailed to the rafters matters. Closer nail spacing and longer nails provide better wind resistance and better discounts.
Roof-to-Wall Attachment
The connection between your roof structure and the walls is critical. Clips, single wraps, double wraps, and structural anchors each provide increasing levels of protection.
Roof Geometry
Hip roofs (all sides slope down to the walls) perform significantly better in high winds than gable roofs. A hip roof can earn you one of the largest available discounts.
Secondary Water Resistance (SWR)
A self-adhering polymer-modified bitumen sheet or equivalent applied to the roof deck provides a secondary barrier if the roof covering is damaged. This feature earns a meaningful credit.
Opening Protection
Windows, doors, skylights, and garage doors are evaluated for hurricane-rated protection. Impact-resistant glass and rated shutters can earn the largest single discount on the form.
How Much Can You Save?
Savings vary by insurance carrier and home construction, but the discounts can be substantial. Here are examples of the types of credits available.
Actual discounts depend on your insurance carrier and policy. Discounts may be combined for qualifying homes.
Frequently Asked Questions
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Serving The Villages, Oxford, Lady Lake, Ocala, Wildwood, Dunnellon, Marion County, and Sumter County.