Wind Mitigation Inspection

The seven items on the form

1. Building code — whether the home was built under the Florida Building Code (permits applied for on or after March 1, 2002 in most of the state)
2. Roof covering — the product type and whether it meets code-approved standards, based on permit date or product approval
3. Roof-deck attachment — the nail or staple size and spacing that holds the sheathing to the trusses
4. Roof-to-wall attachment — toe nails, clips, single wraps, double wraps, or structural connections
5. Roof geometry — hip roofs generally perform best and earn the largest credit
6. Secondary water resistance — a sealed roof deck that limits water intrusion if the covering is lost
7. Opening protection — impact-rated windows, doors, garage doors, and shutters on glazed openings

Why it can matter so much

Under section 627.0629, Florida Statutes, insurers must offer discounts or credits for wind-resistant construction features. For many homes the windstorm portion is the largest part of the premium, so documenting the right features can make a meaningful difference. The exact savings depend on your insurer's rating plan — we document the features; your insurer applies the discounts.

Accuracy matters. The inspector must verify each feature with photographic evidence — for example, by locating clips or straps in the attic or confirming a roof permit date. If a feature can't be verified, it can't be credited, even if it exists.

Homes that usually benefit most

Homes built after 2002, homes with a recently permitted roof, hip-roofed homes, and homes with impact windows or rated shutters tend to see the largest credits. Older homes can still benefit — a verified clip or strap connection or a secondary water barrier installed during a re-roof can make a difference.