Wind Mitigation InspectionSave Hundreds on Florida Insurance

A 30-minute inspection that can reduce your insurance premium by $500–$2,000/year.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection is a Florida-required evaluation of your roof's ability to withstand hurricane-force winds. Certified inspectors assess seven specific features of your roof and home using the state-mandated OIR-B1-1802 form. Insurance companies use the results to determine how much of a premium discount you qualify for.

Florida law requires insurance companies to offer these discounts, but you can't get them without a completed inspection. Most homeowners who get a wind mitigation inspection save $500–$2,000 per year on their premium — making this 30-minute inspection one of the highest-ROI home investments available.

OIR-B1-1802 Form

What's Inspected

Roof Covering Type & Age

What material covers your roof and when it was installed. FBC-equivalent coverings earn higher discounts.

Roof Deck Attachment

How the plywood or OSB sheathing is fastened to the trusses. 8d nails at 6-inch spacing is the premium standard.

Roof-to-Wall Connection

How the roof structure connects to the walls. Double wraps and structural connections earn the highest discounts.

Roof Shape

Hip roofs (all sides sloped) perform better in wind and earn additional insurance credits vs. gable roofs.

Secondary Water Resistance (SWR)

Whether peel-and-stick underlayment is installed beneath the roof covering to prevent water intrusion if covering is lost.

Opening Protection

Shutters, impact-rated windows, and impact-rated garage doors that protect against windborne debris.

Overall Structural Condition

General assessment of the roof structure, framing, and any visible deficiencies that affect wind resistance.

Insurance Discount Ranges

Each feature on the wind mitigation form contributes to your total premium discount. Multiple features stack.

Feature	Potential Discount
Hip roof (all sides sloped)	5-10%
FBC-equivalent roof covering	10-20%
Clips or single wraps (roof-to-wall)	5-15%
Double wraps or structural	15-25%
SWR (peel-and-stick underlayment)	5-10%

Actual discounts vary by insurer, policy type, and home location. A combined discount of 20-40% is common for well-built South Florida homes.

Goliath's Wind Mitigation Offer

FREE

With Every Roof Replacement

Every Goliath Roofing customer gets a free wind mitigation inspection after their new roof is installed. Maximize your insurance savings from day one.

$150

Standalone Inspection

Need just the inspection? We offer standalone wind mitigation inspections for $150. Most homeowners save 3–13x that amount in the first year of discounts.

Common Questions

Wind Mitigation FAQs

How long does a wind mitigation inspection take?+

A typical wind mitigation inspection takes 30 to 45 minutes. The inspector examines the roof covering, deck attachment, roof-to-wall connections, roof geometry, secondary water resistance, and opening protection. No destructive testing is required — the inspector works from accessible areas including the attic space. You receive your completed OIR-B1-1802 form the same day in most cases.

How much does a wind mitigation inspection cost?+

Goliath Roofing provides free wind mitigation inspections with every roof replacement. Standalone inspections are available for $150. Given that the resulting insurance discounts typically save homeowners $500-$2,000 per year, the inspection pays for itself within the first month of premium savings.

Is a wind mitigation inspection the same as a 4-point inspection?+

No, they are different inspections. A wind mitigation inspection specifically evaluates your home's ability to withstand hurricane-force winds and is used for insurance premium discounts. A 4-point inspection evaluates four major systems (roof, electrical, plumbing, HVAC) and is typically required by insurance companies for homes over 25-30 years old to qualify for or renew coverage. Many homeowners need both. Goliath Roofing can coordinate both inspections for you.

Do I need a wind mitigation inspection to get insurance discounts?+

Yes. Florida law (Section 627.0629, Florida Statutes) requires insurance companies to offer wind mitigation discounts, but you must provide a completed OIR-B1-1802 wind mitigation inspection form to qualify. Without this form, your insurer assumes the worst-case scenario for every category and charges you the highest premium. A single inspection can unlock hundreds or thousands of dollars in annual savings.

How often do I need a wind mitigation inspection?+

Wind mitigation inspections are valid for 5 years for most insurers. However, if you make improvements to your roof (new covering, adding clips or wraps, installing SWR), you should get a new inspection immediately to capture the additional discounts. After a roof replacement, always get a fresh wind mitigation inspection — your new roof likely qualifies for significantly higher discounts than the old one.

Impact Resistant Roofing→Roof Replacement→Insurance Claims→Storm Damage Repair→

Schedule Your Wind Mitigation Inspection — Start Saving on Insurance

30 minutes of your time. $500–$2,000 saved every year. The math speaks for itself.

Schedule Inspection Call (330) 518-9552

GOLIATH ROOFING