Florida homeowner guide
Florida Wind Mitigation Inspection: What It Checks and How It May Lower Insurance Costs
A wind mitigation inspection documents construction features that may reduce hurricane and windstorm loss. In Florida, insurers use the state wind mitigation form to decide which credits may apply.
Informational only. Ask your insurer or licensed agent how credits apply to your specific policy.
What the inspection usually documents
- Building code compliance
- Roof covering
- Roof-deck attachment
- Roof-to-wall connection
- Roof shape
- Secondary water resistance
- Opening protection
What to prepare
Gather roof permits, product approvals, window or shutter documents, and previous inspection reports. If the inspector needs attic access, make sure it is safe and reachable.
Questions to ask after the report
- Which credits were applied?
- Which sections were missing documentation?
- Would opening protection change my wind premium?
- How long will the carrier accept the report?