The short answer
A Florida wind mitigation inspection usually costs about $75 to $150*. The inspector fills out the state’s OIR-B1-1802 form, which is valid for up to 5 years if you make no major changes to the home. Discounts apply only to the hurricane-wind part of your premium, but for homes with a newer roof, roof straps, or shutters, one inspection often pays for itself in the first year.
Is this you?
- You live in Florida and have never had a wind mitigation inspection, or yours is more than 5 years old.
- You just replaced your roof, or added shutters or impact windows.
- Your premium jumped and you want to know if you are missing discounts.
- You are buying a home and the agent asked whether a wind mitigation report exists.
What it costs
| Source | Typical price |
|---|---|
| Florida PACE Funding Agency (state program), citing W3 Insurance | $75 to $150* |
| Insurify (consumer insurance site) | About $75 to $150* |
| News4JAX (Jacksonville TV, 2023) | $100 to $150* locally |
Prices depend on home size, how easy the attic is to get into, your area, and whether you add a 4-point inspection at the same visit. Many inspectors offer a package price for both. We compare those prices in 4-point inspection cost.
A free option may exist. Florida’s My Safe Florida Home program, run by the Department of Financial Services, has offered free wind mitigation inspections to eligible homeowners, plus grants of up to $10,000 for upgrades like roof improvements and impact windows. Funding comes and goes, so check mysafeflhome.com for current eligibility before you pay.
What the inspector checks on form OIR-B1-1802
The Uniform Mitigation Verification Inspection Form is set by Florida’s Office of Insurance Regulation (OIR). A revised version (Rev. 04/26) took effect April 1, 2026. It records the features that help a home resist hurricane wind.
| Feature | What it means |
|---|---|
| Building code | Whether the home was built to the 2001 Florida Building Code or later |
| Roof covering | The type of roof and when it was installed or permitted |
| Roof deck attachment | How the roof boards are nailed down |
| Roof-to-wall attachment | Whether clips, straps, or nails hold the roof to the walls |
| Roof shape | Hip roofs (sloped on all four sides) generally do better than gable roofs |
| Secondary water resistance | A sealed layer under the roof covering that keeps rain out if shingles blow off |
| Opening protection | Shutters, impact windows, and impact-rated doors and garage doors |
The 2026 version also lets FORTIFIED Roof, Silver, and Gold certificates count toward certain features. Citizens told agents the new form does not change the credits it gives at this time. Citizens also says it will still accept the older form (Rev. 01/12) if it was completed within 5 years before April 1, 2026 and the home has not changed.
Much of the inspection happens in the attic. Citizens warns that without attic access, you may not get discounts for roof-to-wall attachment, roof deck attachment, or secondary water resistance. Our guide on preparing for an inspection covers how to get ready.
Who can do it
Under Florida Statutes section 627.711, your insurer must accept a form signed by any of these:
- A licensed home inspector who has completed at least 3 hours of approved hurricane mitigation training and passed a proficiency exam
- A certified building code inspector
- A licensed general, building, or residential contractor
- A licensed professional engineer
- A licensed professional architect
Insurers may also accept others they consider qualified, but they don’t have to. A roofing contractor is not on the required list, so ask your insurer before using one. You can check a license at myfloridalicense.com.
How much can it save?
Florida law requires insurers to offer discounts for wind mitigation features. Every insurer must send a notice (form OIR-B1-1655) at new business and renewal showing the discounts it offers. Read yours. It tells you what each feature is worth with your company.
- Discounts apply only to the hurricane-wind portion of your premium, not the whole bill.
- Newer homes do best. The state’s standard notice says homes built to the 2001 Florida Building Code or later are eligible for a minimum 68% discount on the hurricane-wind portion.
- Discounts don’t simply add up. The same notice explains that applying one discount reduces the value of the others, up to a maximum.
- Best cases are large. Florida agents and local news have described savings of up to about half the premium for well-protected homes. Many older homes get less.
Is it worth it for your home?
| A wind mitigation inspection is likely worth it if… | It may not change much if… |
|---|---|
| The home was built in 2002 or later | The home is older and has no upgrades |
| You replaced the roof recently | The roof is old with no secondary water barrier |
| You have hurricane shutters or impact windows | Windows and doors have no protection |
| The roof is hip shaped, or has clips or straps | The attic can’t be reached to verify attachments |
| Your last report is more than 5 years old | You had a full inspection recently and nothing changed |
A Tampa TV station reported that failing to show features on a wind mitigation inspection does not raise your premium; you simply don’t get those credits. One caution: if your current discounts came from an old report that overstated your features, a new report could lower them. Citizens notes it can order its own inspection to verify a form.
Steps to take
- Read your discount notice (OIR-B1-1655) and check which credits you get today.
- Gather proof of upgrades: roof permit, invoices, and product approval papers for shutters or windows.
- Check My Safe Florida Home for a free inspection before paying.
- Hire a qualified inspector and ask for a package price if you also need a 4-point.
- Send the form to your agent and ask when the credits will show on your policy.
- Redo it after big changes, like a new roof, even if 5 years have not passed.
Good to know
If your agent or insurer won’t accept a valid wind mitigation form, Florida’s Department of Financial Services consumer helpline can help. Call 1-877-693-5236 toll free.
Thinking about a new roof anyway?
A local roofer can tell you whether a repair, a roof certification, or a replacement makes sense, and which roof features can earn wind discounts. Free, with no obligation.
Independent consumer education. We may earn a fee or commission when you contact a partner or buy through links on this site, at no extra cost to you.
Common questions
How long is a wind mitigation inspection good for?
The OIR-B1-1802 form says it is valid for up to 5 years if no major changes are made to the home and no errors are found.
Does a new roof mean I need a new wind mitigation report?
It is a good idea. A new roof can earn better roof covering, deck attachment, and water barrier credits, but only if a new form documents it.
Is a wind mitigation inspection the same as a 4-point?
No. A 4-point helps the insurer decide whether to cover your home. A wind mitigation inspection can lower your premium. See Florida 4-point inspections.
Will my insurer pay for it?
Usually not. Homeowners typically pay the inspector, unless they qualify for a free inspection through My Safe Florida Home.
Where to go next
- Wind mitigation inspections: the basics
- Can a new roof lower your insurance?
- Florida roof insurance rules
Sources (13)
Source links open in a new tab. This page stays open, so you can come right back.
- Wind mitigation resources (Florida Office of Insurance Regulation)
- Premium discounts for hurricane loss mitigation (Florida OIR)
- Notice of Premium Discounts for Hurricane Loss Mitigation, OIR-B1-1655 (Florida OIR)
- Uniform Mitigation Verification Inspection Form, OIR-B1-1802 (Florida OIR)
- Uniform mitigation verification inspection form changes (Citizens, March 2026)
- Your wind inspection (Citizens)
- Florida Statutes section 627.711 (2024)
- My Safe Florida Home (Florida Department of Financial Services)
- Wind mitigation (Florida PACE Funding Agency)
- How wind mitigation can help you save (Insurify, 2024)
- How a wind mitigation inspection can help you save on home insurance (News4JAX, 2023)
- How a home inspection can save thousands on home insurance (WFTS Tampa Bay 28, 2024)
- Home insurance wind mitigation discounts (Insurance.com, 2025)
* Prices are estimates and could vary depending on roof size, labor, and materials used.