A licensed inspector verifies seven wind-resistant features of your home — things like roof shape, roof-to-wall connections, and a sealed roof deck — and documents them on Florida's standardized OIR-B1-1802 form. Under Florida Statute 627.0629, your insurer must apply a discount to the windstorm portion of your premium for every verified feature. Some homeowners may see meaningful savings on the windstorm portion of their premium, sometimes ranging from 20–60%, depending on the home, carrier, and verified features.
A wind mitigation inspection takes about 30–60 minutes. The inspector photographs and documents each feature below on the OIR-B1-1802 form, which Florida insurers use to evaluate eligible wind mitigation credits.
Homes built or permitted under FBC 2001 or later — or SFBC-94 in the High-Velocity Hurricane Zone — start with a baseline credit before any other feature is checked.
The type and approval status of your shingles, tile, or metal roofing — and whether it meets current Florida Building Code product approval.
How your decking is fastened to the trusses — nail size, spacing, and pattern. Tighter, longer nailing patterns earn higher credits.
Whether trusses are toe-nailed, clipped, or strapped to the walls. Hurricane straps and double-wrap connectors earn the largest credit in this category.
Hip roofs — sloped on all four sides — resist wind far better than gable roofs and qualify for a higher credit. This feature can't be changed without major construction.
A sealed roof deck — typically self-adhering peel-and-stick underlayment — that keeps water out even if shingles are lost in a storm. Simple yes/no credit, easy to add during a re-roof.
Impact-rated windows, doors, garage doors, and skylights — or approved shutters — on every single opening. This is all-or-nothing: one unprotected opening can zero out the whole category.
Wind mitigation credits apply specifically to the windstorm portion of your premium — which often makes up 30–70% of a Florida homeowner's total bill.
Your exact savings depend on which features your home has, your carrier's filed rates, and your location. The only way to see your real number is to compare your premium with and without the form applied.
Secondary water resistance is one of the most commonly missed credits, yet it's one of the simplest to add. Installing peel-and-stick self-adhering underlayment during a roof replacement qualifies for the SWR credit at little to no added cost compared to standard underlayment installed separately later.
Insurers won't apply a credit they don't know about. After a re-roof, you need a wind mitigation inspection — separate from your roofing permit — to formally document the new roof covering, deck attachment, and underlayment on the OIR-B1-1802 form.
A new roof doesn't lower your premium automatically. Submit the completed inspection form to your carrier and request a premium recalculation — by law, they must apply the credits you've documented.
A Florida-licensed inspector, contractor, engineer, or architect can perform it. Some homeowners may qualify for a free inspection through the My Safe Florida Home program.
Confirm every qualifying feature on your home — roof shape, attachments, underlayment, openings — is documented with the required photos and permit information.
By statute, your carrier must apply the corresponding discounts once the verified form is on file. Ask for written confirmation of which credits were applied.
If you replace your roof, windows, or doors, schedule a fresh inspection — upgrades don't lower your premium until they're documented on a new form.
Every roof we install includes full peel-and-stick underlayment — the easiest way to qualify for the secondary water resistance discount. Let's talk about your new roof and your insurance savings together.