Wind Mitigation Inspections When Selling a Florida Home

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.

A wind mitigation form is tied to the physical features of the home, roof shape, attachment method, opening protection, so a valid existing form does describe the property accurately regardless of who owns it. What does not transfer automatically is the insurance discount itself: the buyer's insurer will want its own copy of the form, or a fresh inspection, before applying any windstorm credit to a new policy.

Should I get an inspection before listing?

It can help. A current wind mitigation form gives a buyer, and their lender's insurance underwriter, a concrete, documented answer to "what will my windstorm premium look like here" instead of a guess, which can matter in a Florida market where insurance cost is a real factor in what buyers can afford to offer. If your home was built after 2001 you likely already qualify for the automatic minimum discount described in does a wind mitigation inspection save you money, and having that documented up front removes a question a buyer would otherwise have to chase down themselves during their own insurance shopping.

What should I hand over at closing?

Give the buyer your most recent OIR-B1-1802 form and all supporting photographs, along with any 4-point report on file if the home is over 20 years old. Both documents describe the property, not the policy, so passing them along saves the buyer an inspection cost and speeds up their own insurance shopping in a state where getting a quote can otherwise take time.