How long is a wind mitigation inspection valid?

Most wind mitigation inspections remain valid for up to five years as long as the structure has not changed.

What features qualify for wind mitigation discounts?

Common qualifying features include hip roof shapes, hurricane straps or clips, reinforced roof deck nailing patterns, secondary water resistance, and impact-rated openings or shutters.

Is a wind mitigation inspection required?

Wind mitigation inspections are not required by law, but insurance companies use the OIR-B1-1802 form to apply hurricane mitigation discounts that can significantly reduce your premium.

Insurance Savings · Hernando County, FL

Wind Mitigation
Inspection

Reduce your homeowner's insurance premium by documenting the hurricane-resistant features of your Hernando County home. Valid for up to five years.

Schedule Your Inspection Call (352) 942-9137

What Is It

What Is a Wind
Mitigation Inspection?

A wind mitigation inspection evaluates how well your home is built to withstand hurricane-force winds. The findings are documented on the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802) and submitted to your insurance company — often resulting in significant premium reductions.

Homes with qualifying features such as hurricane straps, impact-rated windows, or hip roofs may receive substantial insurance discounts. In many cases the inspection pays for itself within the first year through savings alone. We serve all of Hernando County including Spring Hill, Brooksville, Weeki Wachee, and Hernando Beach.

Roof Covering

We verify the roof covering type and installation age. Newer roofs built to modern Florida building codes typically qualify for better insurance credits. Material, installation method, and permit history all factor into the evaluation.

Roof Geometry

Roof shape affects how wind travels over a home. Hip roofs typically perform better in hurricane conditions and receive larger insurance discounts than gable-end roofs. We document the geometry and calculate the qualifying percentage.

Roof Deck Attachment

The roof deck attachment refers to how the plywood roof deck is fastened to the roof framing. Nail size and spacing are documented in the attic to determine resistance to wind uplift — a critical factor for insurance credits.

Roof deck nail spacing measured during wind mitigation inspection Hernando County

Roof-to-Wall Connections

We verify how the roof structure connects to the exterior walls. Common connections include hurricane clips, straps, or wraps. The connection type significantly impacts the discount your insurer will apply.

Hurricane strap roof-to-wall connection documented during wind mitigation inspection

Secondary Water Resistance (SWR)

Secondary water resistance is an additional moisture barrier installed beneath the roof covering. This extra layer helps prevent water intrusion if roof coverings are damaged during a storm — and earns a meaningful insurance credit when present.

Secondary water resistance barrier beneath roof decking Hernando County wind mitigation

Opening Protection

Impact-rated windows, hurricane shutters, and reinforced garage doors can significantly reduce wind damage. Full opening protection is required for a home to qualify for the maximum insurance credits available under the OIR-B1-1802 form.

Impact-rated window and hurricane shutters documented during wind mitigation inspection

Why Homeowners Schedule This

Three Reasons to Get a
Wind Mitigation Inspection

In many cases this inspection pays for itself in the first year through insurance premium reductions alone — and the report stays valid for up to five years.

Insurance Premium Discounts

Qualifying features can earn significant credits from your insurer, reducing your annual homeowner's insurance costs year after year.

Verified Hurricane Resistance

Know exactly how well your Hernando County home is built to withstand the storms that define Florida living.

Valid for Up to Five Years

Unlike a 4-point inspection, a wind mitigation report is valid for up to five years — making it one of the best value inspections available.

Common Questions

Frequently Asked Questions
About Wind Mitigation

How long does the inspection take?

Most wind mitigation inspections take 30–60 minutes depending on attic access and roof documentation requirements.

Is there a pass or fail?

No. The inspection simply documents construction features so your insurance company can apply the appropriate discounts. More qualifying features means more savings.

How much can I save?

Homes with strong mitigation features — hurricane straps, hip roofs, impact windows — can receive substantial insurance credits. Every home is different; savings vary by carrier and features present.

Do I need attic access?

Yes. Inspectors need attic access to verify roof deck attachment and roof-to-wall connections — two of the most impactful factors in the wind mitigation evaluation.

Wind MitigationInspection

What Is a WindMitigation Inspection?