Pre-Loss
Florida Wind Mitigation Inspection Explained
What a wind mitigation inspection is, what features it credits, and how the report affects your premium. Required every 5 years in most Florida policies.
What a wind mitigation inspection is, what features it credits, and how the report affects your premium. Required every 5 years in most Florida policies.
Pre-loss
Why this matters before you have a claim
Florida wind mitigation inspections document features that reduce hurricane damage risk. Roof deck attachment, roof-to-wall connections, opening protection, and secondary water resistance each generate premium credits.
What to do
The basics
- 01
Step 1
Hire a licensed inspector (approximately $75-150)
- 02
Step 2
Inspector completes OIR-B1-1802 form
- 03
Step 3
Submit form to your carrier
- 04
Step 4
Carrier applies credits at next renewal
- 05
Step 5
Repeat every 5 years or after roof replacement
- 06
Step 6
Keep a copy for claim defensibility
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the traps
Common mistakes
- XNot getting one at all (typical credits of 20-50% on wind portion)
- XLosing the form before renewal
- XNot getting a new one after roof replacement (credits expire)
- XAssuming your agent will prompt you
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Go deeper
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Free claim review
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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