By Robert Malcolm · FL DFS #W716942 · Reviewed: · 1 min read
Short answer: A wind mitigation inspection documents your home's wind-resistant features: roof geometry, roof deck attachment, roof-to-wall connections, secondary water resistance, and opening protection. Those features generate credits that can substantially reduce your Florida hurricane premium. The inspector records them on the standard Form OIR-B1-1802, which carriers are required to accept.
What inspectors look at
- Roof geometry (hip vs. gable)
- Roof deck attachment (nail type/spacing)
- Roof-to-wall connection (toe-nails / clips / straps)
- Secondary water resistance (peel-and-stick underlayment)
- Opening protection (impact windows, shutters)
Typical savings
Full mitigation credits can reduce hurricane premium by 30-60% on a Florida home. Worth the ~$100-$200 inspection cost.
Form OIR-B1-1802
This is the standard Florida DFS form. Carriers are required to accept it.