⌂Wind Credit CheckerYour house may already earn an insurance discount
Florida

Your roof may be underpaid.

Florida law makes insurers discount the wind portion of your premium for features many homes already have — a hip roof, a newer roof deck, impact windows, a braced garage door. One inspection form documents them. Describe the house; see what likely applies before you pay for anything.

Check my credits — free See plans
Fla. Stat. §627.0629OIR-B1-1802 inspection formEnglish · EspañolNothing you type is stored
Plan active

Free credit check

Describe the house.

Year built, roof shape and age, window/door protection, garage door, roof replaced when — or paste the wind-mitigation report you already have.

Photos are resized on your device before sending. Nothing is stored.
Free. About 15 seconds.

Why this exists

The discounts are mandated. The paperwork is on you.

Since the 2000s, §627.0629 makes insurers credit verified wind-resistant features. A 2020 roof replacement alone usually changes the answers on half the form — but with no OIR-B1-1802 on file, the insurer rates the house as if nothing was done.

§627.0629the Florida statute requiring insurers to discount windstorm premiums for verified mitigation featuresSource: Fla. Stat. §627.0629 / Latent guideOIR-B1-1802the uniform inspection form — valid up to 5 years if the structure hasn't materially changedSource: FLOIR wind mitigation resources7 questionsroof covering, deck attachment, roof-to-wall connection, roof shape, secondary water resistance, opening protection, and building-code era — the whole formSource: OIR-B1-1802 form guide

How it works

Describe. See what likely applies. Then inspect once, properly.

01

Describe the house

Roof, openings, year built, replacements with permits. Or paste the report you already have.

02

See the likely credits

Which of the 7 form questions your description likely answers favourably, and which one feature is the gap.

03

Book the inspection prepared

What documents to have out (roof permit!), what the inspector photographs, and — paid — the prep sheet plus the upgrade order that pays back first.

Plans

Free check. $9 to walk the inspector through it.

Buyer: any FL homeowner renewing; roofers and window companies licence it. Channel: county FB groups + roofer partnerships (pairs with Claim Coach).

Inspection prep
$9one home

Everything in the free check plus the prep sheet, the permit documents list, and how to submit the form to your insurer.

  • Prep sheet keyed to the 7 form questions
  • Documents that make answers 'verified' (roof permit, NOA stickers)
  • How to send the 1802 to your carrier and what to expect
  • Print or save as PDF · 60 days on this device
Upgrade planner
$19one home

Planning shutters, a roof, or impact windows? The order that usually moves credits first, with questions for each contractor.

  • Feature-by-feature: what each typically changes on the form
  • Questions for the roofer / window / shutter quotes
  • Pairs with your insurance renewal timing
  • 60 days on this device
Roofers, inspectors & window cos.
$99per month

Branded checker that shows a homeowner why the quote pays for itself.

  • Unlimited client checks via your link
  • Your company in every answer
  • Spanish and English
  • Cancel any time

All prices in USD, handled by Stripe. Wind Credit Checker is not an inspection, an insurer, or a contractor; only a licensed inspector's OIR-B1-1802 earns credits, and each insurer applies its own filed discounts.