Florida Insurance Inspection Guide
Florida’s insurance market is unlike anywhere else in the country. Between hurricanes, aging homes, and strict underwriting rules, most homeowners will need one or more insurance inspections to secure or maintain coverage. This guide explains each inspection in clear, homeowner‑friendly language — and includes a full Homeowner Insurance Inspection Resource Center with official forms, building codes, and county resources.
Wind Mitigation Inspection
Required for insurance discounts & storm‑resistant features
A Wind Mitigation Inspection is required in Florida for homeowners who want to qualify for valuable insurance discounts based on their home’s storm‑resistant features. A Wind Mitigation Inspection documents the construction features that help your home withstand Florida’s high‑wind events, and it’s the key to unlocking valuable insurance discounts. Inspectors record these details using the official Florida OIR‑B1‑1802 Wind Mitigation Form, which insurers rely on to verify your home’s storm‑resistant features. This includes evaluating your roof shape, roof‑to‑wall connections, decking attachment, and opening protection. Because Florida sits in one of the most active hurricane zones in the country, insurers also reference Florida Building Code wind‑borne debris maps and NOAA wind zone maps to understand your home’s exposure. A proper Wind Mitigation Inspection ensures your home is accurately documented and positioned for the maximum available premium savings..
What the inspection covers
Roof shape & construction
Roof‑to‑wall connections
Underlayment & decking attachment
Opening protection (shutters, impact windows)
Secondary water barrier
Garage door reinforcement