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
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 next.
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.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Free claim review
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 next.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
Prepare
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
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