Hurricane discount inspection
Wind Mitigation Inspection in Largo & Pinellas County FL
Document the hurricane-resistant features of your Florida home and unlock major windstorm insurance discounts. Flat $100. Official OIR-B1-1802 report emailed within one business day, ready for any Florida carrier.
Locally owned · Born & raised in Pinellas County · 14+ years of inspection experience
What is a Florida wind mitigation inspection?
A wind mitigation inspection — sometimes called a "wind mit" — documents the construction features of your home that resist hurricane-force winds. Florida law requires every property insurer to give you premium credits when those features are verified on the state's Uniform Mitigation Verification Inspection Form (OIR-B1-1802). For most Pinellas County homeowners that means real, lasting savings on the windstorm portion of the policy.
Robert Martin of RMC Inspections has performed thousands of wind mitigation inspections across Largo, Clearwater, St. Petersburg, Seminole, Dunedin, Palm Harbor, and Tarpon Springs. We know what underwriters expect to see, and we photograph every credit so your agent can apply it without a back-and-forth.
What the wind mitigation inspection includes
We complete all seven sections of the OIR-B1-1802. Each section maps to a specific insurance credit.
1. Building Code (Year Built)
Verifies the year of permit. Homes built or significantly improved after the Florida Building Code took effect (March 2002) qualify for stronger credits.
2. Roof Covering
We confirm whether shingles, tile, or metal meets the current FBC product approval — including NOA numbers and installation method.
3. Roof Deck Attachment
We measure nail size and spacing from inside the attic. 8d nails at 6"/12" spacing earns more than 6d nails at 6"/12".
4. Roof-to-Wall Connection
Toe nails, clips, single wraps, double wraps — each connection type carries a different credit. We photograph multiple trusses to verify.
5. Roof Geometry
Hip, gable, flat, or other. A true hip roof (no flat or gable section >10%) is one of the largest single credits.
6. Secondary Water Resistance (SWR)
Self-adhering peel-and-stick membrane or foam-sealed seams under the roof covering. Often present after a re-roof.
7. Opening Protection
Impact-rated windows, doors, and garage doors — or hurricane shutters. We grade each opening A, B, C, or N and verify NOA labels.
Photo documentation
Every credit is supported with attic, roof, and opening photos. Carriers reject reports without photos — ours never get returned.
Why insurers require it
Florida insurance carriers require wind mitigation evidence
Florida is the hurricane-exposure capital of the United States. Citizens Property Insurance, Heritage, Edison, Slide, Florida Peninsula, and every admitted carrier in the state base a large portion of the windstorm premium on the OIR-B1-1802 form. Without it, the policy is rated as if your home has no mitigation features — the worst possible scenario.
Section 627.711, Florida Statutes, also requires carriers to give you the credits when documented. Our reports are formatted exactly the way every Florida underwriter expects them.
Real Pinellas County savings
Examples from recent Largo and Clearwater wind mit inspections:
- 1995 Largo block home, hip roof, single wraps: ~$1,400/yr saved
- 2018 Clearwater build, impact windows, SWR: ~$2,100/yr saved
- 1973 St. Petersburg gable home, clips after retrofit: ~$650/yr saved
- Palm Harbor coastal home, full opening protection: ~$2,800/yr saved
Savings vary by carrier, deductible, and dwelling value. The $100 inspection typically pays for itself in the first month of premium.
Florida-specific requirements
Licensed inspector only
Florida requires the inspection be performed by a licensed home inspector, building contractor, engineer, or architect. RMC is Florida Licensed Home Inspector #HI7816.
Photos with every credit
Carriers reject any OIR-B1-1802 without photo evidence. We include attic, roof, and opening photos for every claimed credit.
5-year validity
The form is good for 5 years. If you re-roof or install impact windows during that period, a fresh inspection captures the new credits.
Roof deck inspection from attic
Roof deck nailing must be verified from inside the attic. We bring our own ladder and lighting — you don't need to prepare anything.
Opening protection levels A/B/C
Each window, door, and garage door gets a letter grade based on impact rating. Mixed protection levels still earn partial credit.
My Safe Florida Home compatibility
If you've applied for a My Safe FL Home grant, our pre/post inspections satisfy the program requirement and the carrier credit.
Wind mitigation across Pinellas County
Same flat rate everywhere we work — no travel surcharges in Pinellas County. Click a city for local notes.
Why choose RMC Inspections
Locally owned
Born and raised in Pinellas County. Not a franchise — one inspector, one report.
14+ years experience
Thousands of wind mit reports across Largo, Clearwater, and the beaches.
Fast turnaround
Reports emailed within one business day. Same-day available when you need it.
Insurance specialists
We know what every Florida carrier needs to apply your credits without a callback.
Boost your credit
No clips? A third nail / hurricane strap retrofit can unlock thousands in savings
If your wind mit shows "toe nails only" for the roof-to-wall connection, a simple structural retrofit can upgrade it to clips and slash your premium for years. We'll tell you exactly what the retrofit needs to look like to qualify.
Learn about hurricane strap retrofits →Common questions
Wind mitigation FAQ
Bundle & save
Many Pinellas homeowners book the wind mitigation alongside a 4-point or roof certification on the same visit — saving you a second trip charge and shaving the combined price.
Schedule your wind mitigation inspection today
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