What It Is and Why Every Florida Homeowner Should Have One
A wind mitigation inspection is a formal evaluation of how your home resists hurricane-force wind. A licensed inspector visits your home, documents specific construction features, and produces a report on the official Florida form OIR-B1-1802. That report goes to your insurance carrier, and they are required by law to apply actuarially reasonable discounts for verified wind-resistant features.
Under Florida Statute 627.0629, this is not optional for your insurer. If your home has qualifying features, they must discount your premium.
2026 Update: The Form Just Changed
For the first time in over a decade, Florida updated the OIR-B1-1802 wind mitigation form in April 2026. If your existing wind mitigation report was issued before April 2026, contact your insurance agent to confirm whether your carrier will accept it under the new standards. Many carriers will honor existing reports through their standard five-year validity period — but some are requesting updated inspections, particularly at renewal.
A fresh inspection costs approximately $75 to $150 and is valid for five years from the date of inspection.
What the Inspector Evaluates
The wind mitigation inspection documents: your roof covering material and age, your roof deck attachment method, the type of roof-to-wall connections, whether your roof has a hip or other geometry, the presence of secondary water resistance, and your opening protection — meaning your windows, doors, and garage door.
Opening protection is one of the most significant factors in your final discount. Full impact windows and doors on every opening qualify for the maximum opening protection credit.
What the Savings Look Like
Discounts apply to the wind portion of your homeowners policy. Under the current rate structure, qualifying features can reduce the wind portion by 10 to 45 percent depending on what your home has.
Full impact windows and doors on every opening — combined with other strong wind mitigation features like a hip roof and hurricane straps — can produce discounts at the higher end of that range. Homes with only partial protection score lower.
The My Safe Florida Home Connection
The My Safe Florida Home program, which offers matching grants of up to $10,000 for hurricane mitigation improvements including impact windows, requires a wind mitigation inspection as the first step in the application process. Getting your inspection done now puts you in position to apply immediately.
The Bottom Line
A wind mitigation inspection is one of the highest-return actions a Florida homeowner can take. The cost is minimal. The potential savings recur every year. And if your home has impact windows that are not yet documented in a current report, an updated inspection is the fastest way to start capturing the discounts you are already entitled to.