Wind Mitigation Inspection
in Lakewood Ranch.
Documents your home's hurricane-resistant features on the state form insurers use for wind discounts.
A Wind Mitigation Inspection in Lakewood Ranch documents your home's hurricane-resistant features on Florida's OIR-B1-1802 form: roof covering, roof deck attachment, roof-to-wall connections (clips, single wraps, double wraps), roof shape, secondary water resistance and opening protection. Florida law requires insurers' rates to include discounts for qualifying features, and this form is how you document them.
A Wind Mitigation inspection documents your home's wind mitigation features on Florida's OIR-B1-1802 form so your insurer can review them. It is a verification of features, not an engineering analysis of how much wind the house can withstand. The report can help lower your homeowner's insurance premium through the discounts your insurer offers. If your insurance agent has asked for a "wind mit," this is it.
The inspection takes about 45 minutes to an hour on-site. We document each feature with photos on the standard Florida state form, which you pass to your insurance agent. How much it saves depends on your home's features and your insurer's filed discounts, so your agent is the one to ask.
The form changed on April 1, 2026
The Florida Office of Insurance Regulation updated the Uniform Mitigation Verification Inspection Form, OIR-B1-1802 (Rev. 04/26), effective April 1, 2026, after a 2024 wind-loss study. It is adopted by Rule 69O-170.0155 and listed on OIR's wind mitigation resources page.
The current form has nine questions. Two are new: the home's wind region and its roof slope. It also says at least one photo or document must back each feature marked in questions 2 through 9. For every question in plain language, see how to read your wind mitigation form.
How the form can lower your premium
Under section 627.0629, Florida Statutes, "a rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials" for homes with features shown to reduce windstorm loss. Each insurer files its own amounts, so the same form can be worth different amounts with different carriers.
For three of the questions, the form records the weakest condition in the house, not the best:
- Roof-to-wall attachment. A house with double wraps on most trusses and toenails on a few is recorded as toenails. See clips, single wraps and double wraps.
- Opening protection. One unprotected window sets the answer for the whole house. See impact windows, shutters and opening protection.
- Roof deck attachment. The weakest sheathing fastening decides the answer.
Roof shape counts too. A roof is rated hip only if non-hip features are no more than 10% of the total roof perimeter. More in hip roof vs. gable roof.
Who can sign it, and how long it lasts
Under section 627.711, Florida Statutes, insurers must accept the form from certain licensed professionals, including licensed home inspectors who have completed hurricane mitigation training and a proficiency exam. The law also lets an insurer require independent verification, at its own expense, before accepting a form.
The form states it is "valid for up to five (5) years provided no material changes have been made to the structure or inaccuracies found on the form." If you own and live in a homesteaded home, the state's My Safe Florida Home program may also be worth a look.
- 1.Florida OIR: Uniform Mitigation Verification Inspection Form, OIR-B1-1802 (Rev. 04/26)
- 2.Florida Administrative Code: Rule 69O-170.0155
- 3.Florida OIR: Wind Mitigation Resources
- 4.Florida Statutes (2026): s. 627.0629 Residential property insurance; rate filings
- 5.Florida Statutes (2026): s. 627.711 Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form
Transparent.
No quote forms.
The form is valid for up to five years, as long as no material changes are made to the home and nothing on it is found to be inaccurate.
Wind Mitigation Inspection $175 when added to a full home inspection | $225 |
Wind Mitigation + 4-Point together On their own | $375 |
"Highly recommend Joanna. Prompt, professional service. She sent our inspection report within hours of competition of inspection. We will be calling her again soon for another Wind Mitigation report after the next improvement we do to our house."
Common
questions.
- How much will a Wind Mitigation save me on insurance?
- It depends on your home and your insurer. Florida law requires insurers' rates to include discounts for qualifying wind-resistant features, and each insurer files its own amounts. Roof shape, roof-to-wall connections, secondary water resistance and impact-rated openings are among the features the form records. Your agent can tell you what each one is worth on your policy.
- Do I need a Wind Mitigation every year?
- No. The form is valid for up to five years, as long as no material changes are made to the home and nothing on it is inaccurate. A new roof or new windows are good reasons to update it sooner, since the old form won't show them.
- What's checked during a Wind Mitigation inspection?
- The current form (Rev. 04/26, effective April 1, 2026) has nine questions: building code, wind region, roof slope, roof covering, roof deck attachment, roof-to-wall attachment, roof shape, secondary water resistance and opening protection. Each answer is backed by a photo or document.
- Can you do a Wind Mit on a newly built home?
- Yes. The form records the building code in force when the home was permitted, along with its roof, connections and openings. Insurers use the form to verify those features, so many buyers of new homes get one right away rather than waiting.
- What if my home doesn't have hurricane features?
- We still document what's there. The report shows which answers are the weaker ones, such as toenailed roof connections or unprotected openings, which tells you where an upgrade could change the form. Whether a feature earns a discount is set by your insurer's filed rates.
From the High Tide blog
- My Safe Florida Home and Wind Mitigation: How They Fit Together
- Opening Protection: Impact Windows, Shutters and Wind Mitigation
- Toe Nails, Clips, Single Wraps, Double Wraps: Roof-to-Wall Connections
- Hip Roof vs. Gable Roof: What It Means for Florida Insurance
- How to Read Your Wind Mitigation Form (OIR-B1-1802)
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Ready to schedule your wind mitigation inspection?
Book online in under a minute. Your report arrives by the next morning. Call or text Joanna directly at 941-779-4822.