Diagram listing the 7 wind mitigation inspection items: code, roof covering, roof deck attachment, roof-to-wall, geometry, secondary water barrier, opening protection.

Florida Wind Mitigation:
What Is Checked, Timing, and How Credits Work​

Wind Mitigation Basics

A wind mitigation inspection documents features that improve a home’s wind resistance. The report uses standardized questions and photos that your insurance company can process quickly. This is a limited insurance inspection. It is not a full home inspection.

What we check

We follow the same seven questions that carriers expect to see on the form. Each item below is photographed and recorded.

  1. Building code based on permit date
    Outside Miami-Dade and Broward, a permit date on or after 03/01/2002 qualifies as Florida Building Code. Within Miami-Dade or Broward, a permit date on or after 09/01/1994 qualifies as SFBC-94.
  2. Roof covering and permit
    Permit number and date of installation. The form confirms the roof covering type and permit status. It does not rate overall roof condition.
  3. Roof deck attachment
    Fastener type and spacing at the roof deck to truss connection.
  4. Roof to wall connection
    Clips, single wraps, or double wraps with required nailing and embedment.
  5. Roof geometry
    Predominant hip roof shape can qualify when it is 90 percent or more of the total roof area.
  6. Secondary water barrier
    Accepted self-adhered membrane covering the entire roof deck when present, seam tape, or closed cell spray foam
  7. Opening protection
    Impact rated windows and doors or shutters on all glazed openings. Additional credit can apply when qualifying non-glazed openings are also protected.

How credits work

Credits are applied by your insurer after they review the verified features in your report. Credits vary by carrier and policy. We document the features. Your insurer decides how credits apply to your premium.

Best timing in Central Florida

  • If you completed a new roof, book after the permit is closed
  • Revisit every 5 years or after major upgrades

What you receive

  • Insurer ready PDF report
  • Clear photos of every checked item
  • Simple guidance and a clear understanding of your report before we leave

How to prepare

  • Clear attic access and make sure it is safe to enter
  • Locate labels for shutters or impact openings where possible

Related insurance inspections

Some carriers ask for more than one document. You can learn about these here.

Service area

We serve Orange County, Seminole County, Osceola County, Lake County, and Volusia County.

Schedule

Schedule an inspection or call 407-605-6332. 

FAQ

Does everyone accept your form?
Yes, the Wind Mitigation is a State of Florida insurance discount form. All carriers have to honor it for 5 years (subject to no material changes)

Do you send the report to my insurer?
We send it to you and if you want we can forward a copy to your agent as well.

How long is the appointment?
Often 30 to 60 minutes for a typical single family home.

Wind mitigation inspections verify the specific features that reduce storm risk and may qualify your home for insurance credits. Schedule this inspection when your agent requests proof of mitigation or a few weeks before renewal so credits can be applied on time. This is a limited insurance inspection that documents defined items with photos and measurements. It is not a full home inspection. Below is a simple breakdown of what we check and how the credits work.