A wind mitigation inspection is one of the most valuable steps a Florida homeowner can take after a roof replacement — and it's often overlooked. The inspection documents your roof's hurricane-resistant features and can reduce your homeowner insurance premium by 10–40% or more in Florida.
What a wind mitigation inspection evaluates:
- Roof covering: Type of roofing material and its FBC approval status
- Roof deck attachment: Nail pattern and type (ring-shank vs. smooth), deck panel thickness
- Roof-to-wall connection: Hurricane straps vs. toe-nails — straps earn the biggest premium discount
- Roof shape: Hip roofs perform better than gable-end roofs in hurricane winds and earn larger discounts
- Opening protection: Impact-resistant windows/doors
- Roof age and permit year
Cost and process: A wind mitigation inspection typically costs $75–$150 and takes 45–90 minutes. The inspector provides an OIR-B1-1802 form — the standard FL form — which you provide to your insurance agent. Always get the inspection done with a licensed FL inspector (FL Statute 627.711 governs the process).
New roof = best time to get inspected. After replacement, your installer's permit and inspection records document the deck attachment and roof-to-wall connection — the two most valuable insurance discount categories.