A wind mitigation inspection is the single highest-ROI thing a Florida homeowner can do to lower their insurance premium. It costs $75-$150 and often saves $500-$2,000 per year for the life of the policy.
What inspectors verify
A licensed Florida wind mitigation inspector fills out the state's OIR-B1-1802 form. They look at seven specific credits:
- Roof covering. Does it meet the 2001 or 2007 Florida Building Code?
- Roof deck attachment. Nail size, spacing, and pattern.
- Roof-to-wall connection. Toe nails, clips, single wraps, or double wraps.
- Roof geometry. Hip roofs earn the largest credit; gable roofs earn none.
- Secondary water resistance (SWR). A peel-and-stick membrane under the shingles.
- Opening protection. Impact-rated windows, doors, and shutters.
- Roof deck / building code compliance. Year built matters.
Why carriers care
Roughly 40% of your Florida premium is the wind portion. Every credit on the mitigation form directly reduces that portion — carriers are required by Florida statute to apply the discounts.
When to get one
- Home built before 2002: required by most carriers for a bindable quote.
- New roof: get a new inspection the week the roof is finished. The credits kick in immediately.
- Home purchase: order the inspection during your due diligence period so quotes come back accurate.
How 4quote handles it
If your home is older than 2002, 4quote.ai prompts you to upload a 4-point inspection and wind mitigation form during the quote flow. We forward the documents to the carriers automatically so your quoted price is the price you actually pay — no post-bind rate surprises.