Wind Mitigation Inspection
Kore Home Inspections performs licensed wind mitigation inspections throughout Miami-Dade, Broward, Palm Beach, Martin, and St. Lucie counties. Every report is delivered the same day using the current OIR-B1-1802 form required by the Florida Office of Insurance Regulation.
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is a visual evaluation of the specific construction features that help a home resist damage from hurricane-force wind. It is sometimes called a hurricane inspection. The inspector examines the roof covering, the roof deck attachment method, the roof-to-wall connection, the shape of the roof, the presence of a secondary water resistance barrier, and whether windows, doors, and other openings carry an impact rating. The findings are documented on the state-regulated OIR-B1-1802 form, and a completed report is valid for five years as long as no alterations are made to the roof, windows, or doors.
The April 2026 OIR-B1-1802 Form Update
Florida updated the OIR-B1-1802 form effective April 1, 2026, the first major revision in over a decade. The update introduces a new regional wind speed classification and refines how several credit categories are documented. If your last wind mitigation report predates April 2026, it was completed under the prior version of the form and may not reflect the current evaluation criteria, particularly if any roof or opening work has been done since.
What a Wind Mitigation Inspection Does Not Cover
A wind mitigation inspection is not a general home inspection. It does not evaluate plumbing, electrical, HVAC, or interior conditions. Its scope is limited to the features that determine how a home performs in high wind, and its purpose is to give an insurance carrier the documentation needed to apply any premium credits the property qualifies for.
Wind Mitigation Inspection Cost in Florida
Standalone vs. Bundled Pricing
Our fee for a wind mitigation is $133.51. Wind mitigation inspections in South Florida typically range from $100 to $175 as a standalone service, depending on the size of the home and the market. When bundled with a 4-point inspection, the combined cost is generally lower than booking both separately. Kore Home Inspections offers a bundled 4-point and wind mitigation inspection for buyers and homeowners who need both reports, which is the most common and cost-effective option in our market. Contact us directly for a quote specific to your property.
How the Inspection Pays for Itself
The inspection itself typically pays for itself well within the first year. Homes with favorable construction — hip roofs, impact-rated openings, confirmed roof deck attachment, and secondary water resistance — can see meaningful reductions in the wind and hurricane portion of their insurance premium, often in the range of several hundred to over a thousand dollars annually. Because the report remains valid for five years, the savings compound well beyond the cost of the inspection itself.
4-Point and Wind Mitigation Inspection
Most Florida homeowners and buyers end up needing both a 4-point inspection and a wind mitigation inspection at the same time, since both are frequently requested by insurance carriers during a policy application or renewal. A 4-point inspection evaluates the roof, electrical, plumbing, and HVAC systems and is typically required for homes 30 years old or older. A wind mitigation inspection evaluates the home’s wind-resistant construction features and can qualify the property for premium discounts.
Booking both inspections together means one appointment instead of two, one inspector instead of possibly two different companies, and reports delivered on the same timeline. Kore Home Inspections offers this bundle as a single flat-fee service for exactly this reason.
The Wind Mitigation Inspection Report
The Six Credit Categories on Your Report
The completed wind mitigation report documents each of the credit categories evaluated during the inspection, supported by required photographs of each feature. The categories that make up the report include:
- Roof covering type and the permit date of the most recent roof installation or replacement
- Roof deck attachment method, meaning how the roof decking is fastened to the trusses or rafters
- Roof-to-wall connection type, ranging from toe nails to clips to single or double wraps, which determines how well the roof stays attached to the structure during high wind
- Roof shape, since hip roofs generally perform better in wind events than gable roofs
- Secondary water resistance, which refers to a self-adhering underlayment or equivalent barrier installed beneath the primary roof covering
- Opening protection, meaning whether windows, doors, skylights, and garage doors are impact-rated or protected by approved shutters
Once completed, the report is delivered as a PDF that can be submitted directly to your insurance carrier or agent. Most carriers apply any qualifying discounts once the report is received, though the exact premium impact depends on the carrier’s own underwriting guidelines.
How Your Carrier Uses the Report
Once completed, the report is delivered as a PDF that can be submitted directly to your insurance carrier or agent. Most carriers apply any qualifying discounts once the report is received, though the exact premium impact depends on the carrier’s own underwriting guidelines.
How to prepare for your wind mitigation
Gather Documentation Before the Inspector Arrives
Preparing for a wind mitigation inspection in South Florida is straightforward. Gather any available documentation for the roof, windows, doors, garage door, and skylights before the inspector arrives. Permit numbers, installation dates, and product approval numbers all help speed up the inspection and improve the accuracy of the report.
Clear Attic Access
Make sure the attic is accessible. The attic is one of the most important areas evaluated during the inspection, since it is where the roof deck attachment and roof-to-wall connection are verified, and it is frequently blocked by stored clothing, boxes, or personal items.
Clear Attic Secondary Water Resistance Documentation
If your roof has a secondary water resistance barrier installed, provide the inspector with documentation and photos from the time of installation if you have them. Once shingles are installed, the barrier sits between the shingles and the plywood decking and cannot be photographed during the inspection itself. If you do not have photos, request them from the roofing contractor who performed the work.
Condo and HOA Roof Access
If you live in a condo and need a wind mitigation inspection, arrange roof access with your HOA or building management before the inspection date. Some HOAs require a certificate of insurance before granting access, which can take time to produce, so it is worth starting that process early.
Impact Ratings
Who Determines Impact Ratings
Impact ratings are not assigned by the home inspector. They are established by the Miami-Dade County Building Department and Product Control division, which sets the testing standard used throughout the state regardless of whether the property is located in Miami-Dade County, along with the Florida Building Code more broadly. The inspector’s role is to verify whether the installed windows, doors, and other openings carry a valid rating or product approval, not to determine what that rating should be.
Impact Windows vs. Shutters for Insurance Purposes
For insurance purposes, impact windows and doors and approved storm shutters are treated equally. Having impact-rated openings does not produce a larger discount than having approved shutters on every opening. The choice between the two comes down to cost and convenience rather than any difference in the credit applied to your premium.
Commercial Wind Mitigation Inspection
Kore Home Inspections also performs commercial wind mitigation inspections for Type II buildings, four to six stories, and Type III buildings, seven stories or more. This inspection is required for residential condominium unit owners or commercial residential applicants seeking mitigation credits in buildings of this size through carriers such as Citizens Property Insurance. Contact us directly to discuss scope and scheduling for a commercial property.
Who Can Perform a Wind Mitigation Inspection in Florida?
Florida law permits several categories of licensed professionals to complete a wind mitigation inspection, including a general or building contractor, an architect, an engineer, a building code inspector, or a home inspector. The completed form must be signed by whichever licensed professional performed the inspection. At Kore Home Inspections, all wind mitigation inspections are performed and signed by our licensed home inspectors under License HI12388.
Wind Mitigation Inspection FAQs
How long does a wind mitigation inspection take?
Most wind mitigation inspections take between 30 and 60 minutes on site, depending on the size of the home and how accessible the attic and openings are.
How long is a wind mitigation report valid?
A completed wind mitigation report is valid for five years from the date of inspection, provided no alterations are made to the roof, windows, or doors during that period. If the roof is replaced or windows are updated, a new inspection is needed to reflect the change.
Does a wind mitigation report transfer to a new owner if I sell my home?
No. A wind mitigation report does not automatically transfer when a property changes ownership. A new owner will need their own inspection to apply for the same insurance credits, even if the previous report was still within its five-year validity period.
Do I need a wind mitigation inspection if I already have a 4 point inspection?
Yes. A 4-point inspection and a wind mitigation inspection evaluate different things and serve different purposes. A 4-point inspection assesses the condition of your roof, electrical, plumbing, and HVAC systems. A wind mitigation inspection assesses your home’s wind-resistant construction features. Many carriers request both, which is why bundling them into a single appointment is the most efficient option for most homeowners.
Will a wind mitigation inspection guarantee my home is protected in a hurricane?
No. A wind mitigation inspection documents which wind-resistant features are present and confirmed. It is not a guarantee that the home will be protected during any specific storm event, and it is not a warranty of any kind. It exists to satisfy insurance underwriting requirements and to help determine what premium credits a property may qualify for.
Schedule Your Wind Mitigation Inspection
Kore Home Inspections is available seven days a week to serve homeowners, buyers, and real estate professionals throughout Miami-Dade, Broward, Palm Beach, Martin, and St. Lucie counties. Call us at (305) 924-2364 or use the form below to request a quote. Same-day scheduling is available when appointments are open.
Kore Home Inspections Wind Mitigation Agreement
This Agreement is between the CLIENT whose name appears below and KORE HOME INSPECTIONS LLC to conduct a wind mitigation inspection at the Property at {{ADDRESS}}.
- Our fee for the inspection is {{PRICE}} payable after the inspection. If there is no guest parking at the property location but a valet service. You agree to pay the full cost of the valet service when it is time to collect payment.
- The inspection will cover only the items listed on the Uniform Mitigation Verification Inspection form, which may be found HERE, and is not a full inspection and is not intended to inspect any component in the home except items for items on the form relating to stronger methods to resist wind load on the home in adverse conditions. PLEASE REVIEW THAT FORM BEFORE YOU SIGN THIS AGREEMENT SO YOU WILL KNOW THE LIMITED SCOPE OF THE INSPECTION.
- The purpose of this inspection is to determine if certain procedures have been performed on the home to help withstand adverse conditions. It is not an assurance that this home will be protected or whether it can withstand specific types of adverse conditions. This limited inspection may help you qualify for a reduced insurance rate, but is not a guarantee. By signing this Agreement you understand it is a limited inspection intended only to satisfy requirements of an insurance company.
You also agree to the terms below. Any third parties who rely on the report in any way also agree to all provisions in this Agreement.
- INSPECTOR’S inspection of the property and the report are in no way a guarantee or warranty, express or implied, regarding the future use, operability, habitability or suitability of the home/building or its components. All warranties, express or implied, including warranties of merchantability and fitness for a particular purpose, are expressly excluded to the fullest extent allowed by law.
- INSPECTOR assumes no liability for the cost of repair or replacement of unreported defects or deficiencies either current or arising in the future. CLIENT acknowledges that the liability of INSPECTOR, its agents and/or employees, for claims or damages, costs of defense or suit, attorney’s fees and expenses arising out of or related to the INSPECTOR’S negligence or breach of any obligation under this Agreement, including errors and omissions in the inspection or the report, shall be limited to liquidated damages in an amount equal to the fee paid to the INSPECTOR, and this liability shall be exclusive. CLIENT waives any claim for consequential, exemplary, special or incidental damages or for the loss of the use of the home/building even if the CLIENT has been advised of the possibility of such damages. The parties acknowledge that the liquidated damages are not intended as a penalty but are intended (i) to reflect the fact that actual damages may be difficult and impractical to ascertain; (ii) to allocate risk among the INSPECTOR and CLIENT; and (iii) to enable the INSPECTOR to perform the inspection at the stated fee.
- INSPECTOR does not perform engineering, architectural, plumbing, or any other job function requiring an occupational license in the jurisdiction where the inspection is taking place.
- In the event of a claim against INSPECTOR, CLIENT agrees to supply INSPECTOR with the following: (1) written notification of adverse conditions within 14 days of discovery; and (2) access to the premises. Failure to comply with the above conditions will release INSPECTOR and its agents from any and all obligations or liability of any kind.
- The parties agree that any litigation arising out of this Agreement shall be filed only in the Court having jurisdiction in the County in which the INSPECTOR has its principal place of business. In the event that CLIENT fails to prove any claims against INSPECTOR in a court of law, CLIENT agrees to pay all legal costs, expenses and fees of INSPECTOR in defending said claims. CLIENT further understands that any legal action against InterNACHI itself allegedly arising out of this Agreement or INSPECTOR’s relationship with InterNACHI must be brought only in the District Court of Boulder County, Colorado. No such action may be filed unless the Client has first provided InterNACHI with 30 days’ written notice of the nature of the claim. In any action against INSPECTOR and/or InterNACHI, CLIENT waives trial by jury.
- If any court declares any provision of this Agreement invalid, the remaining provisions will remain in effect. This Agreement represents the entire agreement between the parties. All prior communications are merged into this Agreement, and there are no terms or conditions other than those set forth herein. No statement or promise of INSPECTOR or its agents shall be binding unless reduced to writing and signed by INSPECTOR. No change shall be enforceable against any party unless it is in writing and signed by the parties. This Agreement shall be binding upon and enforceable by the parties and their heirs, executors, administrators, successors and assignees. CLIENT shall have no cause of action against INSPECTOR after one year from the date of the inspection.
- Should any provision of this Agreement require judicial interpretation, the Court shall not apply a presumption that the term shall be more strictly construed against one party or the other by reason of the rule of construction that a document is to be construed more strictly against the party who prepared it.
Request A Quote
(305) 924-2364