Wind Mitigation Inspection in Tampa Bay

A wind mitigation inspection documents a home's wind-resistant construction features (roof covering, roof deck attachment, roof-to-wall connections, roof shape, secondary water resistance and opening protection) on Florida's Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Insurers use it to decide which windstorm discounts a home qualifies for.

Roof shape, roof-to-wall connections and opening protection, documented for your insurer.

Metal hurricane strap connecting a roof truss to the wall in an attic — Roof-to-wall connections, such as straps, are documented from the attic.

What gets documented

The inspection follows Florida's Uniform Mitigation Verification Inspection Form (OIR-B1-1802), which insurers use to apply windstorm premium credits. It records:

Building code the home was built under
Roof covering type and permit date
Roof deck attachment (nail type and spacing)
Roof-to-wall attachment: toe nails, clips, single or double wraps
Roof geometry, such as a hip roof
Secondary water resistance under the roof covering
Opening protection on windows, doors and garage doors

Why it matters in Tampa Bay

Windstorm coverage is a large part of a Florida homeowners insurance premium. Insurers are required to offer discounts for qualifying wind-resistant construction, but they can only apply credits for features that are documented. A wind mitigation inspection is how those features get on record.

Homes that often benefit

Homes with a hip roof
Homes with hurricane clips or straps between the roof and walls
Homes with a newer roof installed under current code
Homes with impact windows, doors or approved shutters
Homes built under the Florida Building Code, which took effect in 2002

How long a wind mitigation report is good for

Insurers generally accept a wind mitigation form for up to five years, as long as nothing on the home has changed. If you replace the roof or add impact openings, a new inspection may document additional credits.

Pair it with a home inspection or 4-point inspection in the same visit when you are buying.

Plywood roof decking nailed to trusses during construction — Roof deck attachment: nail type and spacing.

Metal storm panels installed over a window on a stucco home — Opening protection on windows and doors.

Common questions

What is a wind mitigation inspection?

It documents a home's wind-resistant construction features on Florida's OIR-B1-1802 form so insurers can apply windstorm premium discounts.

How long is a wind mitigation inspection valid?

Insurers generally accept the form for up to five years, as long as the home's features have not changed.

Will a wind mitigation inspection lower my insurance?

It can. The amount depends on your home's features and your insurer. Features like a hip roof, roof-to-wall clips or wraps, and impact-rated openings commonly qualify for credits.

Other inspection services

Where this service is available

Wind Mitigation Inspections are available throughout the Tampa Bay area within about 45 miles of St. Petersburg.

See the full service area