Wind Mitigation Inspection in South Florida
State-certified wind mitigation inspections from $150 across Palm Beach, Broward and Miami-Dade. Official OIR-B1-1802 form delivered within 24 hours so you can start saving on your wind premium.
Wind Mitigation Inspections are specialized assessments required by Florida insurance companies to determine your home’s resistance to hurricane-force winds and qualify you for premium discounts. At Certified Inspectors, we provide state-certified wind mitigation inspections throughout South Florida that document all wind-resistant features and maximize your insurance savings. Our licensed inspectors complete the official OIR-B1-1802 form, evaluating roof-to-wall attachments, roof deck attachment, roof covering, roof geometry, secondary water resistance, and opening protections. Most homeowners save 20-45% on their wind insurance premiums, recovering the inspection cost within months and enjoying ongoing annual savings.
Same-Day Reports
Licensed & Insured
5-Star Rated Service
BBB A+ Accredited
We Don’t Just Inspect Properties. We Earn Trust.
Read what homeowners, buyers, sellers, real estate professionals, and commercial clients have to say
about their experience with Certified Inspectors.
What’s Included on a Wind Mitigation Inspection
Florida’s OIR-B1-1802 Wind Mitigation Inspection form evaluates specific building features that reduce hurricane wind damage risk. We thoroughly inspect and document all eligible features that qualify you for insurance discounts.
Roof-to-Wall Attachment
- Method used to secure roof trusses or rafters to wall structure
- Inspection of attic framing connections
- Documentation of toe nails, clips, single wraps, or double wraps
- Verification of hurricane strap installation
- Photo documentation for insurance submittal
- Discount potential: 10-35% on wind premiums
Roof Deck Attachment
- Fastening method of roof decking to roof structure
- Nail or screw spacing measurement (6-inch, 6/12-inch, or standard)
- Verification of enhanced nailing patterns
- Documentation affects wind uplift resistance
- Discount potential: 1-18% on wind premiums
Roof Covering
- Type of roof material and manufacturer
- Florida Building Code wind rating verification
- Shingle, tile, or metal roof approval documentation
- Installation method compliance verification
- Impact resistance rating
- Discount potential: 5-25% on wind premiums
Roof Geometry
- Roof shape assessment (hip vs gable)
- Hip roofs receive superior ratings (all sides slope down)
- Gable end bracing verification
- Percentage of hip roof coverage documentation
- Discount potential: 22-45% on wind premiums (highest discount category)
Secondary Water Resistance (SWR)
- Underlayment or barriers preventing water intrusion
- SWR material verification (sealed roof deck)
- Installation compliance with Florida Building Code
- Protection if roof covering is damaged during hurricanes
- Discount potential: 2-10% on wind premiums
Opening Protections
- Hurricane shutters (accordion, roll-down, panel)
- Impact-resistant windows and doors
- Product approval number verification
- All protected openings documentation
- Garage door wind rating verification
- Discount potential: 13-52% on wind premiums (second highest discount)
Who Needs a Wind Mitigation Inspection?
Any Florida homeowner can benefit from a wind mitigation inspection. The insurance premium savings typically exceed the inspection cost within months, providing substantial ongoing savings.
New Home Purchases
Get your wind mitigation inspection immediately after purchasing a home to secure maximum insurance discounts from day one. Many buyers don’t realize their new home already has wind mitigation features that qualify for significant savings.
After Hurricane Improvements
If you’ve recently installed hurricane shutters, impact windows, or replaced your roof, a wind mitigation inspection documents these improvements and qualifies you for additional insurance discounts immediately.
Existing Homeowners
If you’ve never had a wind mitigation inspection, you may be overpaying for insurance. Many homes built after 1994 have wind-resistant features that qualify for discounts, but insurance companies don’t provide discounts automatically – you must submit an inspection form.
Insurance Policy Renewals
When shopping for new insurance or at policy renewal, a current wind mitigation inspection gives you leverage to negotiate lower premiums or switch carriers for better rates with documented wind features.
Why Homeowners Choose Certified Inspectors
Wind mitigation inspections require specialized certification and knowledge of Florida Building Code requirements. Our state-certified inspectors maximize your eligible discounts with accurate OIR-B1-1802 form completion.
State-Certified Wind Mitigation Experts
Our inspectors hold state wind mitigation certifications and complete continuing education on Florida Building Code updates, ensuring your inspection meets current standards and maximizes eligible discounts.
Accurate OIR-B1-1802 Form Completion
We complete the official OIR-B1-1802 form accurately with detailed photo documentation. Incorrect forms can result in denied discounts or processing delays. We ensure your form is accepted the first time.
Maximize Your Eligible Discounts
We know exactly what insurance companies look for and document every eligible wind mitigation feature. We don’t miss opportunities for discounts that could save you hundreds or thousands annually.
Fast Turnaround for Insurance Deadlines
We provide same-day or next-day inspections with completed OIR-B1-1802 forms delivered within 24 hours. This ensures you meet insurance company deadlines and start saving immediately.
Our Wind Mitigation Inspection Process
We’ve streamlined the wind mitigation process to be fast and convenient while ensuring thorough documentation of all wind-resistant features.
Schedule Your Inspection
Book online or call us directly. Wind mitigation inspections typically take 30-60 minutes and can often be combined with other inspection services for convenience.
Inspector Documents Wind Features
Our state-certified inspector examines your home’s wind mitigation features including attic framing connections, roof coverings, opening protections, and other eligible items. We take required photos and document everything on the official OIR-B1-1802 form.
Receive Official Form & Start Saving
Get your completed OIR-B1-1802 form and detailed photo documentation within 24 hours. Submit it to your insurance company and start enjoying premium discounts immediately. Most homeowners recover the inspection cost within 2-4 months through savings.
What Makes Our Wind Mitigation Inspections Different
Wind mitigation inspections require specialized certification and detailed knowledge of insurance discount qualifications. We ensure accurate documentation that maximizes your savings.
State-certified wind mitigation inspectors
Accurate OIR-B1-1802 form completion
Maximize all eligible insurance discounts
Same-day service with 24-hour report delivery
Comprehensive photo documentation
Accepted by all Florida insurance companies
Frequently Asked Questions About Wind Mitigation
How much does a wind mitigation inspection cost in South Florida?
Our wind mitigation inspection starts at $150. Add a 4-Point Inspection and pay $300 for both with our Insurance Only Package, or bundle both with a full home inspection starting at $695. Most homeowners recover the inspection cost within a few months through lower wind premiums.
Do you offer commercial wind mitigation inspections?
Yes. Commercial and multi-family buildings use a separate verification form, and pricing depends on building type. Commercial wind mitigation starts at $575 for Type I buildings, $985 for Type II and III, and $1,585 for Type IV. Contact us for an exact quote for your property.
How long is a wind mitigation inspection valid?
A wind mitigation report is valid for up to 5 years, as long as no material changes are made to the home. If you replace your roof, add impact windows or install rated shutters, get a new inspection so your insurer can apply the additional credits.
Who is allowed to perform a wind mitigation inspection in Florida?
Florida law allows licensed home inspectors, building code inspectors, general, building or residential contractors, professional engineers and architects to complete the OIR-B1-1802 form. Homeowners cannot complete it themselves. Our inspectors are licensed and trained specifically in wind mitigation documentation.
How long does the inspection take?
Most inspections take 30 to 60 minutes, depending on the size of the home and attic access. You receive the completed OIR-B1-1802 form with photo documentation within 24 hours.
What should I prepare before the inspection?
Make sure the attic access is clear and reachable. If you have permits, receipts or product approval numbers for your roof, impact windows, shutters or garage door, keep them ready. These documents help us verify features that cannot be confirmed visually.
What if I don’t have permits or receipts for my windows and shutters?
We can often verify openings through manufacturer labels, etched glass markings or public permit records. If a feature cannot be verified, it may receive a lower rating on the form, so any paperwork you can find helps maximize your discount.
Does Citizens Property Insurance accept your wind mitigation report?
Yes. Citizens and all other Florida insurers accept the official OIR-B1-1802 form. We always use the current form revision so your report is not rejected for an outdated version.
Is there a pass or fail on a wind mitigation inspection?
No. The inspection documents the wind-resistant features your home already has. Every verified feature can reduce your premium, and homes with fewer features still get a clear record for their insurer.
Is a wind mitigation inspection required to buy a home in Florida?
It is not required by law, but it is strongly recommended. Getting it done before you bind insurance means your policy starts with every discount you qualify for from day one.
What is the difference between a 4-Point and a wind mitigation inspection?
A 4-Point Inspection reviews the roof, electrical, plumbing and HVAC systems to help insurers decide whether to cover an older home. A wind mitigation inspection documents hurricane-resistant features to lower your premium. Many insurers ask for both, and we can complete them in one visit.
Do condo and townhome owners need a wind mitigation inspection?
It depends on your building and your insurer. Townhome owners and owners of units in low-rise buildings often qualify for credits, especially for protected windows and doors. Ask your agent whether your policy offers wind credits, and we can confirm what applies to your unit.
When will my discount apply after the inspection?
Send the completed form to your insurance agent. Most insurers apply the credits at your next renewal, and some apply them mid-term. Your agent can confirm the timing for your policy.
Serving South Florida Homeowners
Certified Inspectors provides state-certified wind mitigation inspections throughout Palm Beach County, Broward County, Miami-Dade County, and surrounding South Florida communities.
Schedule Your Wind Mitigation Inspection Today
Start saving on your homeowner’s insurance with a professional wind mitigation inspection. Most Florida homeowners recover the inspection cost within a few months through insurance premium savings and continue saving year after year. Don’t leave money on the table – get your wind mitigation inspection today.
Estimate Your Wind Mitigation Savings
Tell us about your policy and your home. We’ll show a realistic savings range before you book.
This calculator gives an estimate only. Actual credits depend on your insurance company’s filed rates, your policy, and the features verified during the inspection on the official OIR-B1-1802 form. Ask your agent for your current wind premium for the most accurate result.