Wind Mitigation Inspection Guide
A $100 form that returns $200–$1,200/yr in insurance discounts — for the life of your policy. Required in FL, recommended in every Gulf-coast state. Here's exactly what the inspector checks and how each credit stacks.
The 7 credit categories — and how each scores
| Category | Best score | Approx. annual discount |
|---|---|---|
| Roof shape | Hip (all slopes) | $150–$500 |
| Roof deck attachment | 8d nails at 6"/12" pattern | $100–$250 |
| Roof-to-wall connection | Double wraps | $200–$500 |
| Secondary water resistance | Peel-and-stick underlayment | $50–$200 |
| Opening protection | Impact-rated on all openings | $200–$1,000 |
| Roof covering | FBC-compliant install | $50–$150 |
| Build code year | 2002+ FBC | Compounds with others |
Planning a roof or window replacement?
HomeScore forecasts when each system needs replacement — and which 2026 upgrades unlock wind mitigation credits. Time the spend to maximize the discount.
Frequently asked
How much does a wind mitigation inspection cost?+
$75–$150 in 2026. Most owners save 4–10× that in the first year of premium discounts. In FL, the average annual discount runs $200–$1,200 depending on roof shape, opening protection, and roof-to-wall connection.
What does the inspector check?+
Roof shape (hip beats gable), roof deck attachment (8d nails > 6d > staples), roof-to-wall connection (clips < single wraps < double wraps), secondary water resistance (peel-and-stick underlayment), and opening protection (impact glass or shutters on all openings).
Will I save money even if my house is older?+
Usually yes. Even a 1970s home with a gable roof, single wraps, and no opening protection earns a small discount just by documenting the construction. The full discount stack is unlocked when impact-rated windows + hip roof + clipped trusses are all present.
How long is a wind mit form valid?+
5 years in FL (Uniform Mitigation Verification Inspection Form / OIR-B1-1802). Other Gulf states vary — 1 to 5 years. Re-inspect after any roof replacement, window replacement, or shutter install to update credits.
Wind mitigation vs 4-point — what's the difference?+
4-point gets you coverage. Wind mitigation gets you discounts. The 4-point asks 'is this house insurable?' Wind mit asks 'how well does it survive a hurricane?' Most FL homeowners get both in the same visit.