A wind mitigation inspection evaluates specific features of your home that help it withstand high winds and hurricanes. The inspection is commonly requested by insurance companies and may qualify homeowners for insurance discounts.
What the inspector documents
During the inspection, the inspector will verify and photograph the following seven items that make up the Florida OIR-B1-1802 wind mitigation form:
Roof covering
The type and age of the roof covering, such as asphalt shingles, tile, or metal. The inspector notes the product approval and installation method.
Roof deck attachment
How the roof decking is secured to the roof structure. This includes nail size, nail spacing, and decking thickness — verified from inside the attic.
Roof-to-wall connections
The method used to connect the roof structure to the walls, such as toe nails, clips, single wraps, or double wraps. Stronger connections earn larger credits.
Roof geometry
Whether the roof is hip, gable, flat, or another design. A true hip roof — with no gable or flat section greater than 10% — qualifies for a major discount.
Secondary water resistance (SWR)
Additional protection installed beneath the roof covering, such as self-adhering peel-and-stick membrane or foam-sealed decking seams.
Opening protection
Hurricane shutters, impact-resistant windows, impact-rated doors, and garage door protection. Each opening is graded A, B, C, or N based on its rating.
Photos taken during the inspection
The inspector will typically take photographs of the roof structure in the attic, the roof covering, windows, doors, garage doors, and any protective features. Every credit claimed on the OIR-B1-1802 form must be supported with photo evidence — carriers reject reports that lack it.
How long does it take?
Most wind mitigation inspections take approximately 15–30 minutes on-site. The report is then completed on the Florida Wind Mitigation Inspection Form (OIR-B1-1802) and emailed to the homeowner or insurance company, typically within one business day.
Why it lowers your premium
Homes with documented wind-resistant construction features are less expensive for insurers to cover. Under Florida law, carriers must apply mitigation credits when the features are verified on the official form. The inspection can potentially help reduce homeowners insurance premiums by identifying every wind-resistant construction feature present on the home.
Need a Wind Mitigation Inspection in Largo, Clearwater, Seminole, or anywhere in Pinellas County?
Contact RMC Inspections for fast scheduling and reports typically delivered within 24–48 hours. We serve all of Pinellas County, including Largo, Clearwater, Seminole, St. Petersburg, Dunedin, Palm Harbor, Tarpon Springs, and the beach communities.