A wind mitigation inspection documents the hurricane-resistant features already built into your home so your insurer can apply the premium discount Florida law requires. Here is what gets checked, what it costs, and how to get one.
A 4-point inspection is a short check of your roof, electrical, plumbing, and HVAC systems that most Florida insurers require for homes over 20 years old. Here is what happens, what fails it, and what it costs.
A wind mitigation inspection can lower your premium. A 4-point inspection is often required just to get coverage on a home 20 years or older. Here is how they differ and when you need each.
Cost & savings (2)
What each inspection costs by region, and how much it can actually save you on your premium.
A standalone wind mitigation inspection runs roughly $75 to $150 across Florida, with South Florida a little higher. Here is the real regional breakdown, bundled pricing, and what actually moves the price.
Homes built to the 2001 Florida Building Code or later already qualify for a minimum 68% discount on the windstorm portion of the premium. Here is how the math actually works and where it varies by insurer.
The OIR-B1-1802 form & your report (3)
A question-by-question walkthrough of the state form, who can sign it, and how to read the report you get back.
The Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is the exact document your insurer uses to price your windstorm discount. We read the form itself and Florida's insurance statutes to explain what every question actually asks.
Your wind mitigation report is the completed OIR-B1-1802 form. Here is what each section's letter grades mean, which answers matter most for your discount, and what to check before you send it to your insurer.
Florida law limits who may sign the OIR-B1-1802 form to a specific list of licensed professionals. Here is exactly who qualifies and how to look up a license number before you book.
Timing & finding an inspector (5)
When to book, how often a 4-point is required, and what to check before you hire someone.
Not every home inspector is qualified to sign a wind mitigation form. Here is what to check before you book, and how to get matched with a licensed inspector in your county.
A 4-point inspection is usually done by the same licensed home inspectors who handle wind mitigation. Here is what to check before you book, and how to get matched with one in your county.
There is no fixed statewide schedule. Most insurers require a 4-point on new policies for homes over 20 years old and treat the report as current for about 12 months. Here is how that actually plays out.
The best time is whenever your current form has expired, gone stale, or never existed. Here are the specific moments that actually call for a new inspection.
Your wind mitigation form does not automatically transfer with the sale, but showing a buyer their likely insurance discount can be a genuine selling point. Here is how to handle it as a seller.
County guides (7)
Local building-code rules, permit lookups, and typical pricing for Florida's major metro counties.
Miami-Dade is one of only two Florida counties inside the High-Velocity Hurricane Zone, with its own building code and product-approval system. Here is what that means for your wind mitigation inspection.
Broward is the other Florida county inside the High-Velocity Hurricane Zone, sharing Miami-Dade's stricter building code but with its own permit and property records. Here is what a local inspection involves.
Hillsborough County sits outside the HVHZ, so the standard statewide Florida Building Code path applies. Here is what a Tampa-area wind mitigation inspection looks like and what it costs.
Orange County is outside the HVHZ and, being inland, tends to have Florida's lowest wind mitigation inspection pricing. Here is what to know before booking one in the Orlando area.
Duval County is outside the HVHZ and, sitting in Florida's least hurricane-exposed corner, still sees real value from wind mitigation credits on its many pre-2001 homes. Here is the local picture.
Lee County sits outside the HVHZ but took a direct hurricane hit in 2022, which reshaped a large share of its roofs. Here is what that means for wind mitigation scoring in the Fort Myers area.
Palm Beach County sits just north of the HVHZ boundary but still carries some of Florida's highest windstorm premiums. Here is what a local wind mitigation inspection covers and what it costs.