How Much Can a Wind Mitigation Inspection Save on Florida Home Insurance?

What is a wind mitigation inspection?

A wind mitigation inspection looks at features of your home that can reduce damage from high winds. In Florida, insurers are required to offer credits for certain wind-resistant features. The standard form used for this inspection is OIR-B1-1802.

What the inspection looks at

Based on the information given, the inspection generally considers:

The roof
The windows
The garage door
When the house was built

These features help determine whether your home may qualify for one or more of Florida's mandated wind insurance credits.

Could this lower your insurance bill?

It is possible that having certain wind-resistant features documented through an OIR-B1-1802 inspection could qualify your home for credits. However, no specific dollar amounts or savings figures are provided here. Every insurer applies credits differently, and actual savings depend on your policy and insurer.

What we don't know

This information does not include specific statutes, percentages, or dollar savings. It does not replace an actual inspection or a review by a licensed inspector. It is not insurance advice. Always confirm details with your insurance agent, your insurer, or a licensed wind mitigation inspector.

What to do next

The free Wind Credit Checker tool can read your own description of your roof, windows, garage door, and build year — or you can paste in an existing wind-mitigation report. It will help you see which Florida-mandated credits might likely apply to your home, and what an OIR-B1-1802 inspection typically checks. This tool is not an inspection and does not give insurance advice. Always confirm any results with a licensed inspector or your insurance company.

The full version — $9

Inspection prep

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