Wind Mitigation Inspection
Documents the roof and construction features insurers use to calculate windstorm insurance credits on your policy.
What We Document
- ✓Roof covering — material and installation date, and whether it meets current product approval standards.
- ✓Roof deck attachment — how the roof sheathing is fastened to the trusses or rafters.
- ✓Roof-to-wall attachment — the connection type (clips, straps, or toe nails) securing the roof to the walls.
- ✓Roof shape — hip roofs generally qualify for a greater credit than gable roofs.
- ✓Secondary water resistance (SWR) — a sealed roof deck barrier that protects against leaks if the roof covering is damaged.
- ✓Opening protection — whether windows, doors, and skylights are impact-rated or protected by rated shutters.
Why It Matters
Florida law requires property insurers to offer credits or discounts for wind-resistant construction features, and a wind mitigation inspection is how those features get documented and verified. The results are recorded on the state's Uniform Mitigation Verification Inspection Form, which your insurance agent submits to your carrier. Homes with newer roofs, hip shapes, reinforced roof-to-wall connections, and impact-rated openings can qualify for meaningfully lower windstorm premiums.
This inspection is especially worth considering after a roof replacement, before renewing or shopping your homeowners policy, or any time your current mitigation form is nearing its expiration. It's a separate, more focused inspection than a full home or 4-point inspection, since it only evaluates the features tied to storm resistance.
You May Also Need
4-Point Inspection
Often ordered alongside wind mitigation when shopping for a new insurance policy.
Learn More →Full Home Inspection
A complete evaluation of the property beyond just wind-resistance features.
Learn More →