The $150 Inspection That Can Cut Your Insurance Bill
Florida law makes insurers discount the windstorm part of your premium for wind-resistant features, but you only get the credits if an inspection documents them. Estimate what is on the table for your home.
Your home
Features your home has (or would after a re-roof)
Your estimate
Why this works
Florida insurers must file mitigation credit schedules and apply them to the windstorm portion of your premium when an inspection documents the features. The catch is the burden of proof runs the wrong way: with no inspection on file, carriers rate your home as if it has none of them. Older homes are routinely over-rated for exactly this reason, and homes that just got a new code-compliant roof are sitting on undocumented credits. The inspection costs about what one month of the savings is worth.
Common questions
What is a wind mitigation inspection?
A licensed inspector documents your home's wind-resistant features on Florida's uniform OIR-B1-1802 form: roof shape, how the roof deck is nailed, how the roof connects to the walls, opening protection, and more. It typically costs 100 to 150 dollars, takes under an hour, and the report is good for five years.
How much can wind mitigation credits save?
Florida law requires insurers to credit these features against the windstorm portion of your premium. Combined credits on carrier-filed schedules commonly range from modest discounts for one or two features up to the majority of the wind premium for a fully mitigated home. Because the wind portion can be half or more of a Florida premium, real-world savings of hundreds to several thousand dollars a year are common.
Which features matter most?
Roof-to-wall attachment (clips or single or double wraps versus toe-nails), a hip roof shape, sealed roof deck or secondary water resistance, and opening protection (impact glass or rated shutters on every opening). A roof permitted under the 2001 Florida Building Code or later also matters.
Do I need a new inspection after replacing my roof?
Yes, and it is usually the single best time to get one: re-roofing to current code often upgrades deck attachment and adds a sealed roof deck, unlocking credits the old report could not document.
Does this apply to Citizens and private carriers alike?
Yes. All admitted Florida carriers, including Citizens, must apply mitigation credits from their filed schedules. The exact percentages differ by carrier and territory, which is why this tool shows a range rather than one number.
See where your county's premiums stand on the insurance cost by county map, stress-test a purchase with the true cost of ownership calculator, and check flood insurance, which wind mitigation does not affect.
Estimates only. The windstorm share of premium varies by territory and carrier; credit percentages come from each carrier’s filed schedule and differ across companies, policy forms, and construction types. Ranges here reflect the spread commonly seen across filed schedules, from partial feature sets to fully mitigated homes documented on form OIR-B1-1802. Your inspection report and carrier quote control. Not insurance advice. Equal Housing Opportunity.