Wind Mitigation Inspections and Discounts in Florida
Rules reviewed October 2026
Florida law requires insurers to give discounts, credits, or lower deductibles for features that help a home resist wind. A wind mitigation inspection documents those features on a state form so you get credit for them. One Florida insurer reports the inspection typically costs $75 to $150 and that the form stays valid for five years if nothing material about the home changes.
Features that can earn a discount
- Roof uplift resistance, roof strength, and how the roof covering performs
- Roof-to-wall connections and wall-to-floor-to-foundation connections
- Opening protection, and the strength of windows, doors, and skylights
- The law lists these as examples, not a complete list. Insurers' rate filings must include discounts or credits for qualifying features, and since October 1, 2023, each insurer has to describe its hurricane mitigation discounts on its website.
Source: Florida Statutes s. 627.0629, windstorm mitigation discounts.
Why a new roof is the time to do it
Several of the features on the form, such as how the roof deck is attached and how the roof is tied to the walls, are easiest to upgrade and document during a re-roof. Ask your roofer which wind-resistance features the job will include, keep the permit and product paperwork, and schedule the inspection after the final permit inspection passes.
The form and who can sign it
- The state form is the Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Kin Insurance reports it was updated effective April 1, 2026.
- Your insurer must accept the form when it's signed by a licensed home inspector with at least 3 hours of approved hurricane mitigation training and a proficiency exam, a certified building code inspector, a licensed general, building, or residential contractor, a licensed professional engineer, or a licensed architect.
- The person who signs must personally inspect the home, though licensed engineers and contractors can send a qualified direct employee.
- Your insurer can pay to have the form independently verified before it applies the discount.
Source: Florida Statutes s. 627.711, uniform mitigation verification form (2026).
Common questions
How much can a wind mitigation inspection save?
It depends on your insurer, your home, and which features it has. The law requires discounts that reflect each feature's actuarial value, so ask your insurer for its discount table, which it must describe on its website.
How long is a wind mitigation report good for?
Kin Insurance reports five years, as long as the home hasn't materially changed and the form has no errors. A new roof is a material change, so get a new inspection afterward.
Can my roofer do the inspection?
A licensed general, building, or residential contractor can sign the form. Many homeowners still prefer an independent inspector.
Related Florida guides
Roof prices by city:
Sources
This page explains Florida rules in general terms. It is not legal or insurance advice.