How much can I save with a wind mitigation inspection?

Savings vary based on your home's features, but many South Florida homeowners save $500 to $2,000 or more per year on their insurance premiums. Homes with hip roofs, concrete roof tiles, and impact-rated opening protection tend to qualify for the largest discounts.

Is a wind mitigation the same as a 4-point inspection?

No. A 4-point inspection evaluates the condition of four major systems (roof, electrical, plumbing, HVAC) for insurance eligibility. A wind mitigation inspection specifically documents hurricane-resistant construction features for premium discounts. They serve different purposes and are separate inspections.

How long is a wind mitigation report valid?

Wind mitigation reports are generally valid for 5 years as long as no changes have been made to the roof or opening protection. If you replace your roof or install new hurricane shutters or impact windows, you should get a new inspection to capture the upgraded features.

My home was built after 2002. Do I still need this?

Yes. Homes built after 2002 in South Florida were built to the current Florida Building Code and typically qualify for the best discounts. However, your insurance company will not apply those discounts without a completed wind mitigation form from a licensed inspector.

Can I combine this with a 4-point inspection?

Absolutely. We perform both inspections during a single visit, which saves you time. Many homeowners schedule both together when they are buying a home or switching insurance carriers.

Wind Mitigation Inspection

Document hurricane-resistant features that can qualify you for significant insurance discounts.

A wind mitigation inspection documents the hurricane-resistant features of your home using the state-approved OIR-B1-1802 form. Florida law requires insurance companies to offer premium discounts for homes with qualifying wind-resistant construction features, and many homeowners save hundreds or even thousands of dollars per year.

South Florida homes built after 2002 were constructed under the more stringent Florida Building Code, which means they often qualify for the largest discounts. However, even older homes that have had roof replacements or hurricane protection upgrades can benefit significantly from a wind mitigation inspection.

Our inspectors carefully document features including roof covering type, roof-to-wall connections, roof deck attachment, roof geometry, secondary water resistance, and opening protection (shutters, impact windows). Each qualifying feature translates directly into premium savings.

What's Included

Every wind mitigation inspection covers the following items.

Roof covering type and installation year
Roof deck attachment method verification
Roof-to-wall connection type documentation
Roof geometry classification
Secondary water resistance barrier check
Opening protection assessment (shutters, impact glass)
OIR-B1-1802 form completion with photos

What to Expect

Here is what to expect when you schedule a wind mitigation inspection with Defender Inspections.

Schedule

Book your inspection online or by phone. We offer flexible scheduling to fit your timeline.

Inspect

Our licensed inspectors perform a thorough evaluation of the property using the latest tools and techniques.

Report

Receive a detailed, easy-to-read digital report with photos and findings within 24 hours.

Follow Up

We walk you through the results and answer any questions so you can make confident decisions.

Pricing

Call for a Free Quote

Final pricing depends on the property size, age, location, and specific conditions. Contact us for a quick, no-obligation quote tailored to your property. No hidden fees or surprise charges.

Get a Quote