Wind Mitigation Inspection Florida

• Roof covering: material, age, installation, permit history.
• Roof geometry: hip vs gable percentages for credit eligibility.
• Roof deck attachment: fastener size/spacing, decking type.
• Roof-to-wall connections: straps, clips, wraps, or toenails.
• Secondary water resistance (SWR): peel-and-stick or equivalent layers.
• Opening protection: impact windows/doors, shutters, garage door bracing, glazed openings.
• Garage doors: reinforcement, wind rating labels where present.

We complete the official form accurately. The carrier decides which credit category applies.

• Duration: 45-60 minutes on-site for most properties.
• Report: Completed OIR-B1-1802 form with labeled photos delivered the same day.
• Preparation: ensure attic access, breaker access, shutter storage access, and key wind feature labels are reachable.
• Bundle: same visit as a 4-point when the agent wants both (posted bundle $200).
• Renewals: OIR says the form is valid up to five years if no material changes are made and no inaccuracies are found. Re-inspect after a reroof or new openings so the file matches the house.

• Miami-Dade: High-wind zone focus on uplift resistance, tie-downs, and impact protection coverage.
• Broward: Frequent insurance reviews after storm seasons; we help document improvements quickly.
• Palm Beach: Roof shape and SWR details are what we document on coastal properties; the carrier applies any credit.
• Older homes: We note retrofit opportunities (clips/straps, shutters, underlayment) so you can plan work and a follow-up 1802.

• Impact openings + hip roof + SWR: features many Florida carriers score in their highest credit categories. The carrier applies the credit.
• Straps/clips + rated shutters: recorded when full impact glazing isn’t installed; credit is the carrier’s table.
• After upgrades: add secondary water resistance, garage-door bracing, or roof-to-wall hardware, then re-inspect so the form matches the house.
• Documentation: labeled photos for roof deck attachment, strap/clip type, opening protection labels, and roof geometry.

Green Foot wind inspections start at $100. We do not claim the inspection pays for itself in year one—that depends on the carrier’s credits.

• Miami-Dade County: Miami, Miami Beach, North Miami, Sunny Isles Beach, and Aventura. Farther west or south is quoted per call.
• Broward County: Hallandale Beach, Hollywood, Fort Lauderdale, Pembroke Pines, and Miramar.
• Palm Beach County: West Palm Beach, Lake Worth Beach, Boca Raton, Jupiter, and Wellington.

We tailor the OIR-B1-1802 details to what carriers flag most in each county. See our service-area cities.

Understanding Wind Mitigation Inspections

A wind mitigation inspection records hurricane-resistant construction on Florida’s Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Inspections on or after April 1, 2026 use Rev. 04/26. Florida Statute 627.0629 requires insurers to offer actuarially reasonable wind credits; we document the house, and the carrier applies its table.

How Wind Mitigation Credits Work

Credits usually apply to the windstorm/hurricane portion of the premium—not automatically to the whole bill. OIR’s statewide discount-range forms (OIR-B1-1699 and 1700) are marked updates pending, so we do not publish a percent-off chart. Since October 1, 2023, each residential insurer must post hurricane-mitigation discount information on its website. That page, or your agent, is where your numbers live.

Features the form records include roof covering, roof deck attachment, roof-to-wall connections, secondary water resistance, opening protection (including garage doors), roof geometry, and—on Rev. 04/26—FORTIFIED certificates, design-wind region, and roof slope where required. Combined credit is the carrier’s math, not a Green Foot promise.

What Gets Inspected During a Wind Mitigation Inspection

Our wind mitigation inspections follow Florida's OIR-B1-1802 form requirements and examine:

1. Roof covering: Material type, age, condition, and attachment method (nails vs. staples, spacing).
2. Roof-to-wall connections: Presence and type of metal straps, clips, or other connections securing roof to walls.
3. Roof deck attachment: How the roof decking is attached to framing (nails, staples, spacing).
4. Secondary water resistance: Presence of underlayment systems designed to prevent water intrusion.
5. Roof geometry: Hip vs. gable roof design and its impact on wind resistance.
6. Opening protection: Windows and doors with impact-rated glazing or approved shutters/panels.
7. Garage door: Wind load rating and reinforcement compliance.
8. Roof shape: Hip, gable, or other configurations affecting wind uplift resistance.

We document findings with labeled photos and complete the official OIR-B1-1802 so the carrier can apply credits from its rate filing.

Understanding the OIR-B1-1802 Form

OIR-B1-1802 is Florida’s Uniform Mitigation Verification Inspection Form, adopted by the Office of Insurance Regulation under Rule 69O-170.0155. Inspections on or after April 1, 2026 use Rev. 04/26. Florida Statute 627.711 requires admitted insurers to accept a valid form signed by an authorized inspector. The form includes:

• Property information: Address, construction date, square footage, and property type.
• Roof system details: Covering material, attachment method, deck attachment, geometry, and secondary water resistance.
• Opening protection: Type and coverage of impact-resistant windows, doors, and shutters.
• Structural connections: Roof-to-wall connection type and installation details.
• Photographic documentation: Labeled photos showing key features and installation methods.
• Inspector certification: Licensed inspector signature and credentials.

The carrier uses this form with its own credit table. OIR states the form is valid for up to five years provided no material changes are made to the structure and no inaccuracies are found. After a reroof or new openings, get a new inspection so the file matches the house. Surplus-lines and private carriers can still ask for their own extra documentation—confirm with the agent before you order.

Source: Florida OIR wind mitigation resources (OIR-B1-1802; Rule 69O-170.0155, F.A.C.; Fla. Stat. 627.711 and 627.0629).

Features on the form (no invented percents)

We photograph and check the boxes the 1802 requires. Opening protection, hip vs. gable, clips vs. wraps vs. toenails, deck nailing, and SWR all matter for credits—but the percent is the insurer’s filing. Partial opening protection is documented as partial.

When to Get a Wind Mitigation Inspection

A current OIR-B1-1802 is useful when:

• New insurance application: the agent can submit documented features with the application. Credits, if any, come from that carrier’s table.
• Policy renewal: if the house changed (new roof, impact windows, straps), an updated form matches what is installed.
• After renovations: major work should be re-documented so the file is not describing the old house.
• Home purchase: buyers can see what is installed before the carrier prices the wind line. We do not quote a premium dollar savings.
• Form age: OIR says the form is valid up to five years if nothing material changed and no inaccuracies are found. Confirm the carrier still accepts the existing copy.
• First inspection: many homes have never had an 1802. We document what is there; the carrier decides the credit.

Maximizing Your Wind Mitigation Discounts

To document a stronger file, contractors typically improve opening protection, roof-to-wall hardware, deck attachment, SWR (often at reroof), and garage-door rating. We re-inspect after the work. We do not quote a payback period or a percent off premium.

The report states what we verified. Your agent uses it with the carrier’s credit table.