How a Wind Mitigation Inspection Can Save You Hundreds on Florida Insurance
Florida homeowners pay some of the highest insurance premiums in the country. A wind mitigation inspection is one of the fastest ways to lower your costs — here's how it works.
- •Wind mitigation documents hurricane-resistant features for insurance credits.
- •Most homeowners save $200–$1,500 per year.
- •Reports are valid for 5 years — renew after roof or shutter upgrades.
If you own a home in Florida, your insurance premium is likely one of your biggest annual expenses. A wind mitigation inspection documents features of your home that reduce hurricane damage risk — and your insurer is required to pass those savings on to you.
What gets inspected
- Roof covering type and installation date
- Roof deck attachment (nail size and spacing)
- Roof-to-wall connections (clips, single wraps, double wraps)
- Roof geometry (hip roofs typically score best)
- Secondary water resistance barrier
- Opening protection (impact glass or shutters)
Typical savings
Most homeowners save between $200 and $1,500 per year. Newer homes built to modern code often see the largest credits, but even older homes with retrofitted features qualify for meaningful discounts.
How often to renew
Wind mitigation reports are valid for five years in Florida. If you've replaced your roof, added impact windows, or installed shutters since your last report, schedule a new one — you may unlock additional credits immediately.
