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.