Frequently asked questions

A wind mitigation inspection is a visual survey of your home's roof shape, roof-deck attachment, roof-to-wall connections, and window and door protection, recorded on the state's OIR-B1-1802 form. It documents features that qualify your home for a homeowners insurance discount on the windstorm portion of your premium.

Source: Florida OIR-B1-1802 form.

A 4-point inspection checks four systems only, roof, electrical, plumbing, and HVAC. Most Florida insurers, including Citizens Property Insurance, require one for new-business applications on homes more than 20 years old.

Source: Citizens Property Insurance, inspections page.

A standalone inspection typically runs $75 to $150, with South Florida a little higher than the rest of the state. Bundling it with a 4-point inspection on the same visit usually costs less than booking them separately.

Source: Florida wind mitigation inspection pricing, inspectordata.com.

Homes built to the 2001 Florida Building Code or later, including the 1994 South Florida Building Code in Miami-Dade and Broward, are automatically eligible for a minimum 68% discount on the windstorm portion of the premium. Older homes can still capture partial credit feature by feature.

Source: Florida Department of Financial Services, Premium Discounts for Hurricane Loss Mitigation.

Only licensed home inspectors with hurricane-mitigation training, certified building code inspectors, licensed general or residential contractors, professional engineers, or licensed architects may sign the wind mitigation form.

Source: Florida Statute 627.711(2)(a).

Up to five years, provided no material changes are made to the structure and no inaccuracies are found on the form. A new roof or newly installed shutters restarts that clock for the affected questions.

Source: Florida Office of Insurance Regulation, wind mitigation resources.

No. A 4-point inspection is a mandatory eligibility check on older homes covering roof, electrical, plumbing, and HVAC. A wind mitigation inspection is optional and exists to document hurricane-resistant features for a premium discount. Many homeowners get both done in one visit.

Source: Citizens Property Insurance, inspections page.

No. A 4-point inspection is typically required at specific moments, mainly a new policy application on a home over your insurer's age threshold (commonly 20 years), and the report is usually treated as current for about 12 months rather than renewed on a fixed annual schedule.

Source: Citizens Property Insurance, inspections page.

OIR-B1-1802 is the Uniform Mitigation Verification Inspection Form, the single state-adopted document every Florida insurer uses to score a home's wind mitigation features consistently. Our full question-by-question walkthrough is at the OIR-B1-1802 guide.

Source: Florida OIR-B1-1802 form. See our full walkthrough.

No. Wind Mitigation Florida is an independent information resource. We publish sourced guides and pass enquiries submitted through our form to a licensed inspector serving your area; we are not an inspection company, an insurer, or a government agency.

Yes, there is no cost to tell us about your home and county. Any inspection fee is paid directly to the licensed inspector who contacts you.