Glossary

Wind mitigation inspection

An inspector's checklist of a house's storm-resistant features, such as roof fastening and window protection, that insurers use to apply wind discounts.

Also called: wind mit, wind mitigation report, uniform mitigation verification inspection, OIR-B1-1802

A wind mitigation inspection documents the features of your house that help it survive high wind, so your insurer can price the windstorm part of your premium accurately. In Florida the report is the Uniform Mitigation Verification Inspection Form, OIR-B1-1802, completed by a qualified inspector. Florida law directs insurers to file actuarially reasonable discounts or credits for such features (Fla. Stat. 627.0629), and the form is how you prove you have them.

The inspector records the roof covering, how the roof deck is nailed, the roof-to-wall connection, the roof shape, whether there is a secondary water-resistance layer, and how windows, doors and the garage door are protected. Each answer maps to a credit. Say two otherwise identical houses differ only in that one has hurricane clips and impact windows: the wind premium on that house can be noticeably lower. The size of the credit is the insurer's, not the inspector's.

Hand the report to your agent rather than assuming the insurer will find it, and ask for a re-rate. Inspections cost money, so confirm your features qualify first; a pre-1990s house with toe-nailed trusses may earn little. Other hurricane states use similar checklists. The wind mitigation inspection guide walks through each section, and the roof and mitigation upgrade payback calculator shows whether an upgrade pays back.

Last reviewed October 10, 2026

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Related terms

Roof-to-wall connection The hardware that fastens roof rafters or trusses to the top of the walls, which decides whether a high wind can lift the roof off the house. Secondary water resistance A second layer on the roof deck, such as a self-adhering membrane over the seams, that keeps rain out of the house if the shingles blow off in a storm. Opening protection Impact-rated glass or tested shutters over a home's windows, doors, skylights and garage door that keep debris and wind from breaching the walls in a storm. Mitigation credit A premium discount for building features shown to reduce storm or wildfire damage, such as a reinforced roof, impact windows or defensible space. FORTIFIED Home A voluntary construction standard from the insurer-funded IBHS that strengthens a house against wind, hail and storm damage, with certified designations. Hurricane deductible A separate amount you pay first, usually a percentage of the dwelling limit, that applies to wind damage from a hurricane in place of your regular flat amount.

Related guides

Citizens Property Insurance in Florida: who qualifies and what to know How Florida's Citizens works: the 20% eligibility rule, what it covers, take-out offers, flood and assessment rules, and how to move to a private insurer. Insuring a coastal home: wind, flood and where to find coverage Coastal owners often assemble coverage from several sources: a homeowners policy, a flood policy and sometimes a state wind pool. How the pieces fit and cost. Beach and windstorm pools along the coast: how they work Wind pools in Texas, Alabama, Mississippi and the Carolinas cover coastal wind and hail when private insurers will not. Eligibility, limits and tradeoffs. Construction type and rates: frame, masonry and more How insurers classify frame, masonry veneer and masonry homes, why walls matter for fire and wind, and why a brick house is not always rated as brick. Florida's 2022–2023 property insurance reforms explained What Florida's 2022-2023 property insurance laws changed for policyholders: attorney fees, assignment of benefits, claim deadlines, roof rules, grants. Four-point inspections for older homes What a four-point inspection covers (roof, electrical, plumbing, HVAC), which homes need one, what makes a report fail, and how to prepare before applying.

Related insurers

American Integrity Insurance Tampa homeowners insurer founded in 2006 and public on the NYSE since 2025; sold by independent agents in Florida, Georgia and the Carolinas. American Traditions Insurance Pinellas Park, Florida insurer founded in 2006 for manufactured homes, now also writing homeowners and condo policies through independent agents; Demotech A. Auto-Owners Insurance Lansing, Michigan mutual founded in 1916 that sells home insurance only through independent agents in 26 states; the 9th-largest U.S. home insurer. Cypress Property & Casualty Jacksonville, Demotech-rated insurer selling homeowners, condo and rental policies through agents in Florida and Texas, with a deductible installment plan. Florida Peninsula Insurance Boca Raton group (Florida Peninsula and Edison) that sells only in Florida through independent agents; the state's No. 2 home insurer in 2025, after Citizens. Frontline Insurance Lake Mary, Florida coastal property insurer selling home, condo and high-value coverage through independent agents in nine Southeast and mid-Atlantic states.

Related states

Rhode Island Rhode Island home insurance: Allstate and Amica lead, hurricane deductibles are capped at 5%, coastal homes are harder to insure and the FAIR plan is broad.

Related tools

Roof and mitigation upgrade payback calculator Weigh a roof or storm-hardening upgrade, after grants, against the premium discount it earns and see how many years it takes to pay for itself.