Florida wind mitigation inspection
In Florida, a wind mitigation inspection may be signed by listed licensed inspectors, contractors, engineers, or architects, and insurers must accept the completed document when one of those professionals provides it.3 It can remain valid for up to 5 years if nothing material changes.2 Check the home details and signed copy before relying on it.
What is an inspection for wind mitigation in Florida?
Wind mitigation is construction that reduces wind losses.1
It documents those features.1
The form concerns those measures.1
Florida requires insurers’ rates to include discounts or credits for construction that reduces wind losses.1
The state document, called OIR-B1-1802, was updated April 1, 2026, and can remain valid for up to 5 years if nothing material changes.2
Keep the completed document with your home records. If the home changes materially, confirm whether the document still applies before relying on it.2
An insurer decides how its rates, credits, and underwriting rules apply. Howe.to does not promise a discount or any particular outcome.
Check that the address and home details match your records. Keep the signed copy accessible.
Who can sign this document?
Insurers must accept the document from listed licensed inspectors, contractors, engineers, and architects.3
Ask the person completing the document what they may sign and how they will provide the finished document. Keep supporting records with it.
The form does not replace your review of a roofing project. Discuss the scope, materials, permits, and written contract with the independent company you choose.
This inspection and roofing project are separate matters. Review what each document covers and any work under discussion.
What does DFS say about newer homes?
DFS says homes built to Florida’s 2001 building code or later are eligible for a minimum 68% discount on the windstorm portion of the premium, including those built to the 1994 South Florida Building Code in Miami-Dade and Broward Counties.4
This is a DFS statement, not a promise from Howe.to. The amount that applies depends on the insurer.
Gather the home records you have. Ask an insurer or qualified professional about your property. A general consumer guide is not a personal coverage decision.
Is My Safe Florida Home part of Howe.to?
My Safe Florida Home is a DFS program that offers no-cost inspections for wind mitigation to eligible homesteaded, owner-occupied, site-built homes, may offer grants of up to $10,000, and depends on yearly state funding.56 Howe.to is not affiliated with it.56
Read the program’s current eligibility and funding information directly. Details and availability may change with yearly state funding.56
Howe.to is not a government program and is not affiliated with it. It does not inspect homes, make funding decisions, or promise program access.
Review any roofing work separately. Consider it on its own terms.
What roof choices should I discuss during re-roofing?
If you are re-roofing, discuss material selection and installation details.
FDEM says to choose shingles rated at or above your area’s design wind speed, while FEMA says to use nails rather than staples in high-wind areas and stainless steel nails within 3,000 feet of saltwater.78
Ask the roofing company to explain the proposed materials and attachment methods in plain language. Get written scope details. Read them before signing.
FAQ
When does the document stop applying?
It may remain valid for up to 5 years when nothing material changes.2 Confirm whether it still applies after a material change.2
Which professionals can provide the signed document?
Insurers must accept the document from listed licensed inspectors, contractors, engineers, and architects.3 Keep supporting records with it.
What discount does DFS describe for newer homes?
DFS describes a minimum 68% discount on the windstorm portion of the premium for homes built to Florida’s 2001 building code or later.4 It also includes homes built to the 1994 South Florida Building Code in Miami-Dade and Broward Counties.4
Is the DFS program part of Howe.to?
No. Howe.to is not a government program and is not affiliated with it.56 It does not inspect homes, make funding decisions, or promise program access.
How Howe.to can help
You answer a few questions, then see the named roofing companies available for your area. You choose which companies may contact you about roofing. Howe.to is not a contractor.