Wind Mitigation Savings Estimator
A $100-$150 wind mitigation inspection is often the single best return in Florida insurance. See what yours could be worth.
Estimate Your Credit
Tell us about your roof.
Estimated wind mitigation credit range
–%
Roughly per year on your premium
See What I'd Actually SaveEstimates based on typical Florida wind mitigation credit ranges. Actual credits depend on your carrier, your full inspection results (roof deck attachment, roof-to-wall connections, opening protection), and your policy's wind premium portion.
To document your home; report good for up to 5 years
What Is a Wind Mitigation Inspection?
A licensed inspector documents your home's wind-resistant features: roof shape, roof deck attachment, roof-to-wall connections, and opening protection. It takes about an hour and the report is good for up to 5 years depending on the insurance carrier.
Requires credits for documented features
Why Florida Insurers Pay You for It
Florida law requires insurers to give premium credits for documented wind-resistant features. Without the inspection report, you pay as if your home has none of them.
One-time cost; credits apply every year
The Math Usually Works
The inspection typically costs $100 to $150 once. Credits apply every year. For most Florida homes built or re-roofed since 2002, it pays for itself many times over.
What the Inspector Actually Checks
Florida uses one standard form statewide, the Uniform Mitigation Verification Inspection Form. It has seven sections, and each one either earns you a credit or does not. Here is what each means in plain terms.
| Section | What it looks at | What earns the credit | Impact |
|---|---|---|---|
| Opening protection | Windows, doors, skylights, and garage doors | Impact-rated windows or shutters on every opening. One unprotected window drops the whole rating. | Largest |
| Roof-to-wall attachment | How the roof structure is fastened to the walls | Metal connectors beat toe nails by a wide margin: clips, then single wraps, then double wraps, which score highest. | Large |
| Roof deck attachment | Nail size and spacing holding the plywood to the trusses | Larger nails at tighter spacing. 8d nails at 6-inch spacing is the top tier; older staples score lowest. | Large |
| Roof geometry | The shape of the roof itself | A hip roof, sloping on all four sides, sheds wind better than a gable and earns a meaningful credit. | Moderate |
| Roof covering | Whether the roof meets the current Florida Building Code | Documented permits showing the covering complies with the code in force when installed. | Moderate |
| Secondary water resistance | A sealed barrier under the roof covering | A self-adhering underlayment or foamed adhesive that keeps water out if the covering blows off. | Smaller |
| Building code compliance | When the home was built or substantially re-roofed | Construction under the 2002 Florida Building Code or later, which is why the year matters so much. | Varies |
Categories from Florida's Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Credit sizes are typical relative weightings, not fixed amounts: the actual discount depends on your carrier's filed rates and the wind portion of your premium.
How to Get an Inspection
The whole process usually takes a week from booking to a revised premium, and most of that is waiting for the carrier to reprice.
Hire a qualified inspector
Florida allows licensed home inspectors, general or building contractors, architects, and engineers to complete the form. Expect roughly $100 to $150 and about an hour at the house. You are always welcome to hire your own inspector, and we also keep a list of trusted local inspectors with great rates and service we are happy to refer.
Have permits and photos ready
Roof permits and any documentation from a re-roof help the inspector verify the roof covering and code sections. Without paperwork, a feature you actually have can go undocumented, and an undocumented feature earns nothing.
Send the report to us
We submit it to your carrier and confirm every credit is applied. The report stays good for up to 5 years depending on the insurance carrier, and credits can often be applied mid-term rather than waiting for renewal.
One warning worth the money. An inspection documents what exists; it cannot invent features. If your report comes back weaker than you hoped, that is information too, because it tells you exactly which upgrade would pay for itself. Opening protection and roof-to-wall connectors are usually where the money is.
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Put Those Credits to Work
Wind mitigation savings only apply once your policy is written right.
Wind Mitigation FAQs
Typically $100 to $150 as a one-time cost, and it takes about an hour at your home. The report stays valid for five years. Because the credits apply every year the policy renews, a home with documented wind-resistant features usually recovers the inspection cost in the first year and keeps saving after that.
Florida allows licensed home inspectors, general and building contractors, registered architects, and professional engineers to complete the Uniform Mitigation Verification Inspection Form. Your roofer cannot simply write you a letter; it has to be the state form completed by a qualified inspector. If you would rather not sort through listings, ask us and we will point you to inspectors our clients have used.
Usually opening protection, meaning impact-rated windows or shutters. The catch is that it is all or nothing: every window, door, skylight, and garage door has to be protected to earn the full credit, and a single unprotected opening drops the rating. After that, roof-to-wall attachment tends to carry the most weight, which is why metal clips and wraps matter so much more than toe nails.
Yes, and you should want one. A re-roof usually improves several sections of the form at once: the roof covering meets the current code, the deck attachment is upgraded to current nailing standards, and secondary water resistance may be added. Getting a fresh inspection after the work is finished is how you convert that spending into a lower premium.
It still told you something valuable. The report shows exactly which sections scored poorly, which is a shortlist of the upgrades that would actually lower your premium. Send it to us and we will tell you which one pays for itself fastest at your home. Sometimes the answer is opening protection; sometimes it is waiting until the roof is due anyway.
In most cases yes. You do not have to wait for renewal. Send us the completed report and we will submit it to your carrier, which can often reprice the policy mid-term and issue a refund for the unused portion. The sooner the report reaches the carrier, the sooner the credit starts.
It earns a real credit, because a roof that slopes on all four sides sheds wind far better than a gable end that catches it. It is not something most people would change a roof for on its own, but if you already have a hip roof and it is not documented on a mitigation form, you are paying as though you do not.
Already Have a Wind Mitigation Report?
Send it to us and we will make sure every credit you have earned is applied.
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