When Should You Get a Wind Mitigation Inspection?

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.

There is no single fixed date on the calendar. A wind mitigation inspection makes sense any time your home's actual construction and your insurer's paperwork are out of sync, and there are a handful of moments where that gap reliably opens up.

You are taking out a new policy

A new insurer has no wind mitigation form on file for your home until you provide one, so a fresh inspection at the start of a policy is the single most common trigger, and often the fastest path to a lower quote in the first place.

Your existing form is approaching five years old

The OIR-B1-1802 form is valid for up to five years. Renewing it before it lapses avoids a gap where your insurer may default you back to a lower discount tier while a new inspection is arranged.

You have replaced your roof or added storm protection

A new roof deck, new roof covering, or newly installed shutters or impact windows can move you into a stronger tier on the form. The old form does not update itself, and the form's own terms only stay valid while "no material changes have been made to the structure," so a roof replacement effectively invalidates the prior inspection for that question.

You are buying or selling

Buyers benefit from ordering their own inspection rather than assuming the seller's form transfers cleanly, since it is tied to the property's features, not the insurance policy. See wind mitigation inspections when selling a Florida home for the seller's side of this.