What is a wind mitigation inspection?
A wind mitigation inspection is a specialized inspection that identifies construction features of a Florida home that help reduce damage from high winds and hurricanes. The results are documented on a state-approved form and are commonly used to qualify for homeowners insurance discounts.
How does a wind mitigation inspection lower insurance premiums?
Insurance companies offer discounts when a home has wind-resistant features such as hurricane straps, impact-rated windows, or a hip roof design. A wind mitigation inspection verifies these features so your insurance provider can apply eligible credits, potentially reducing your annual premium.
What does a wind mitigation inspection include?
A wind mitigation inspection evaluates the roof covering, roof shape, roof-to-wall connections, secondary water resistance, and opening protections such as windows, doors, and shutters. Only visible and accessible areas are inspected, and findings are supported with photos and documentation.
Is a wind mitigation inspection required in Florida?
A wind mitigation inspection is not required by law, but many Florida insurance companies request one to determine discounts or to verify wind-resistant features. Homeowners may also be asked to update the inspection every few years or after a roof replacement.
How long does a wind mitigation inspection take?
Most wind mitigation inspections take 30 to 45 minutes, depending on the size of the home and roof accessibility. The completed inspection report is typically delivered promptly so it can be submitted to your insurance provider.
When should I get a wind mitigation inspection?
You should consider a wind mitigation inspection when purchasing a home, renewing or shopping for homeowners insurance, after installing a new roof, or after adding impact-rated windows or doors. Updating your inspection can help ensure you receive all available insurance discounts.

