Wind Mitigation Inspections in Orlando and Central Florida
OIR-B1-1802 reports accepted by every Florida insurance carrier.
What is a wind mitigation inspection?
Florida is no stranger to high winds, hurricanes, and tropical storms. With these weather conditions comes the importance of taking proactive steps to protect your home from wind-related damage. One effective way to evaluate your home’s wind resistance—and potentially save on homeowners insurance—is through a wind mitigation inspection.
A wind mitigation inspection evaluates specific features of your home that are designed to withstand strong winds. The inspection provides valuable documentation that insurance companies use to determine whether your home qualifies for discounts based on its wind-resistant construction features.
Whether you’re purchasing a home or are already a homeowner, a wind mitigation inspection can be a valuable tool. For homebuyers, it can help document the property’s wind-resistant features for insurance purposes, while current homeowners may benefit from having an updated report to ensure they are receiving all available insurance discounts.
What does a wind mitigation inspection check?
The state form 1802 covers seven specific construction features. Each one affects your premium differently. Here is what your inspector will evaluate.
1. Age of the Home and Roof
Newer homes, especially those built after the 2001 Florida Building Code updates, often incorporate more wind-resistant construction methods. Older homes may qualify for discounts if upgrades have been made.
2. Roof Covering
We evaluate the type of roofing material and whether it meets Florida Building Code standards. Our inspectors look for installation dates and documentation to verify compliance.
3. Roof deck attachment
This is one of the biggest discount drivers. We go into the attic to check how the plywood or OSB sheathing is nailed to the rafters. The nail size, type, and spacing all matter. Homes with 8d ring-shank nails at 6-inch spacing earn better credits than homes with smaller nails spaced further apart. Roof deck failure is how most roofs come off during a hurricane.
4. Roof-to-wall connections
Our inspectors assess how the roof is attached to the walls of the home. Stronger connections like hurricane clips or straps provide better resistance against uplift forces caused by high winds.
5. Roof Shape and Structure
Certain roof shapes, such as hip roofs, are more aerodynamic and perform better in high winds compared to gable roofs. Inspectors also examine the roof decking attachment (nail size, spacing) and the overall structural integrity.
6. Secondary water resistance (SWR)
This is a self-adhering underlayment installed directly on the roof deck beneath the shingles or tiles. If your roof has SWR, it can reduce your wind premium significantly. This is the single most valuable feature on the form. Most homeowners who have it do not know it is there until an inspector checks.
7. Opening protection
Doors, windows, skylights, and garage doors are checked for wind- and impact-resistant features. Shutters, impact glass, or other protective systems are essential in hurricane zones.
WHEN SHOULD YOU GET A WIND MITIGATION INSPECTION?
You should schedule a wind mitigation inspection if any of the following apply:
- You are buying a home in Florida and want to lower your first insurance premium
- You are renewing your homeowners policy and your current wind mitigation report is more than five years old
- You recently replaced your roof, installed hurricane shutters, or put in impact-rated windows or doors
- Your premium went up and you want to offset the increase with documented discounts
- You have never had a wind mitigation inspection done on your home
- You are selling your home and want to show buyers documented wind-resistant features
We also perform four point inspections, which many Florida homeowners need alongside a wind mitigation. Call us to ask about scheduling.
HOW OUR WIND MITIGATION INSPECTION WORKS
Book your inspection
Call or text us at (407) 644-6194. We offer free quotes on all inspections.
We inspect your home
One of our licensed inspectors will examine key areas of your home. We document qualifying wind-resistant features with photographs and include them in your completed report. The inspection typically takes just 30–60 minutes to complete and we will need to access the attic.
No waiting around for days
We complete the OIR-B1-1802 form with photos and promptly email you your report. We can also email it to your insurance agent on your behalf.
Submit to your insurance company
How much does a wind mitigation inspection cost?
A wind mitigation inspection in the Orlando area typically costs between $75 and $150. The price depends on home size, location, and complexity.
Call or text us for pricing. We can also bundle this service with 4 point inspections.
Call us at (407) 644-6194 or text us for an exact quote. Quotes are always free.
WIND MITIGATION VS. FOUR POINT INSPECTION
They are separate inspections with separate forms and separate purposes. We offer both services. Call us to ask about scheduling.
WHY ORLANDO HOMEOWNERS CHOOSE HOMETECH
We have completed over 9,000 inspections since 1997. That is 27 years of looking at roofs, panels, pipes, and AC systems in Central Florida homes. We know what insurance companies look for because we have been filling out these forms longer than most inspection companies have existed.
Next-Day Availability
We use the current form
The OIR-B1-1802 was updated effective April 1, 2026 based on a new state-commissioned wind-loss study. We use the current revision on every inspection. An outdated form can delay your discounts or get rejected by your carrier.
Free quotes on every inspection
Call or text us and we will give you an exact price for your property. No obligation, no pressure.
4.9 stars from 400+ Google reviews
Our clients back up our work. We have earned a 4.9 Google rating from over 400 reviews. Our client care team makes scheduling easy, and our inspectors take the time to explain what they find.
Experienced, locally owned, Central Florida based
HomeTech Home Inspections has been operating in Central Florida since 1997. Greg Fyock, the current owner, joined the company in 2009 and took over in 2014. Our inspectors are Florida-licensed under Chapter 468 of the Florida Statutes and authorized to complete the OIR-B1-1802 form under Section 627.711(2).
We have a full team of licensed inspectors who specialize in residential and insurance inspections across Orange, Seminole, Osceola, Volusia, Lake, and Polk counties. We use Spectora inspection software for clear, photo-documented reports.
When you hire HomeTech, you get inspectors who have been looking at Central Florida roofs, attics, and construction methods for nearly three decades. That kind of local knowledge matters when the difference between a clip and a strap classification means hundreds of dollars on your premium.
Wind mitigation inspections across Central Florida
Orange County
Orlando, Winter Park, Apopka, Maitland, Ocoee, Winter Garden, Windermere, Dr. Phillips, Lake Nona, Belle Isle, Edgewood, Bay Lake, Zellwood
Seminole County
Altamonte Springs, Sanford, Lake Mary, Longwood, Oviedo, Casselberry, Winter Springs, Chuluota, Fern Park
Osceola County
Kissimmee, St. Cloud, Celebration, Poinciana, Buenaventura Lakes, Four Corners
Daytona Beach, Deltona, DeLand, Debary, Orange City, New Smyrna Beach, Edgewater, Ormond Beach, Port Orange, South Daytona
Clermont, Leesburg, Mount Dora, Eustis, Tavares, Groveland, Minneola, Montverde, Lady Lake, Mascotte
Davenport and surrounding northeast Polk County areas
Frequently asked questions about wind mitigation inspections
How much does a wind mitigation inspection cost in Orlando?
A wind mitigation inspection typically costs between $75 and $150 in the Orlando area. The price depends on home size, location, and complexity. Call (407) 644-6194 for a free quote on your specific property.
How long is a wind mitigation report valid in Florida?
Five years from the date of the inspection, as long as no structural changes are made to the roof, windows, doors, or other features documented on the form. After five years, you need a new inspection to keep your insurance discounts active.
How much can I save on insurance with a wind mitigation inspection?
Florida homeowners typically save between $500 and $2,500 per year. The amount depends on your home’s construction features, your current premium, and your carrier’s discount schedule. Some homeowners save more, especially those with secondary water resistance and full opening protection.
What is the OIR-B1-1802 form?
It is the official Florida wind mitigation inspection form issued by the Office of Insurance Regulation. Every Florida property insurer is required to accept it. The form was updated in April 2026 based on a new state-commissioned wind-loss study. We use the current revision on every inspection.
Can I get a wind mitigation inspection on an older home?
Yes. Any Florida home can get a wind mitigation inspection regardless of age. Older homes may not have all the features that earn the highest discounts, but many have qualifying roof deck attachments or roof shapes that still provide savings. If you have made improvements like adding hurricane shutters or impact windows, those count too.
What is the difference between a wind mitigation and a four point inspection?
A four-point inspection looks at the four main home systems (roof, electrical, plumbing, HVAC) to determine if your home qualifies for insurance coverage. A wind mitigation inspection looks at hurricane-resistant construction features and determines discounts on your insurance premiums. They are separate inspections with separate forms for insurance purposes only.
What is secondary water resistance and why does it matter?
Secondary water resistance (SWR) is a self-adhering underlayment installed directly on the roof deck beneath the shingles or tiles. It is the single most valuable feature on the wind mitigation form and can reduce the windstorm portion of your premium significantly. Many homeowners who have it do not realize it until an inspector goes into the attic and checks.
Do I need to be home during the inspection?
Yes, a resident or property representative over the age of 18 must be present during the inspection to provide access to the home. We will need access to the attic, so depending on the location of the attic access, vehicles may need to be moved out of the garage or items may need to be temporarily removed from a closet. The inspection typically takes no more than one hour. We recommend ensuring the attic access is clear and accessible before the inspector arrives to help the appointment go smoothly.
Does a new roof automatically qualify me for wind mitigation discounts?
A new roof installed under the current Florida Building Code will likely earn credits for roof covering and possibly roof deck attachment. But the other features on the form (roof-to-wall connections, opening protection, SWR, roof geometry) are separate. You still need an inspector to document everything on the OIR-B1-1802 form for your insurer to apply the full range of available discounts.
Who can perform a wind mitigation inspection in Florida?
Under Florida Statute 627.711(2), the inspection must be completed by a licensed home inspector, general contractor, professional engineer, or architect. Our inspectors are Florida-licensed under Chapter 468, Part XV of the Florida Statutes and authorized to complete the OIR-B1-1802 form.
How much can a wind mitigation inspection save you?
The savings can range from 10% to 45% off the wind coverage portion of your insurance premium, depending on your home’s qualifying features and your insurance company. In Florida, wind coverage can make up a significant portion of your total premium. For example, if your annual homeowners insurance premium is $4,000 and $2,000 of that is for wind coverage, a 30% discount on the wind portion could save you $600 per year! In many cases, the insurance savings can cover the cost of the wind mitigation inspection and potentially save you money year after year. The wind mitigation inspection is entirely in your favor — it can only help your premium, never hurt it.
SCHEDULE YOUR WIND MITIGATION INSPECTION TODAY
Find out how much you can save on your Florida homeowners insurance. Call us at (407) 644-6194, text us for a free quote, or book online.