Wind Mitigation Inspection in Brevard County, Florida
Qualify for Up to 45% Off Your Premium | Starting at $120 | (321) 259-2868
What Is a Wind Mitigation Inspection?
A wind mitigation inspection is an evaluation of the features of your home that are designed to resist hurricane-force winds. In Florida, this inspection is conducted using the April, 2026 OIR-B1-1802 form, which is the standardized Uniform Mitigation Verification Inspection Form required by the Florida Office of Insurance Regulation. The completed form is submitted to your insurance carrier, who uses it to determine what wind mitigation discounts – sometimes called hurricane credits – your home qualifies for.
Unlike a 4-point inspection, which is required by many insurers, a wind mitigation inspection is voluntary — but given the potential for significant premium savings, it is almost always worth doing. Homeowners with qualifying features have reported insurance premium reductions of 20% to 45% or more.
The Brevard Inspector LLC performs wind mitigation inspections throughout Brevard and Indian River County. Our reports are accepted by Citizens and all major Florida carriers, and we deliver your completed, current, OIR-B1-1802 report within 24 hours.
The 6 Wind Mitigation Categories
Here’s exactly what we examine Explained in Plain English:
1. Roof Covering
The inspector documents the type of roofing material installed on your home —
asphalt shingles, concrete tile, metal, modified bitumen, etc. — and verifies whether
it meets Florida’s current building code standards for wind resistance. Homes with
newer roofing materials that meet or exceed current Florida Building Code (FBC)
standards typically receive the best credits for this category. The installation date
and permit history may be requested to confirm compliance.
2. Roof Deck Attachment
The inspector examines how your roof decking (typically plywood or OSB sheathing) is fastened to the roof framing. This is done by looking at the nail pattern and nail length in an accessible attic space. Homes where the deck is attached with 8d ring shank nails at 6-inch spacing — a standard in newer Florida construction — receive the maximum credit. Older homes with 6d smooth- hank nails at wider spacing receive less favorable ratings. The strength of the roof deck attachment is critical in a hurricane because this is where many roof failures begin.
3. Roof-to-Wall Attachment
This category evaluates how the roof structure connects to the exterior walls of the home. The inspector looks in the attic to identify the type of connectors used: clips, single wraps, double wraps, or structural straps. Double- wrap hurricane straps — required in Florida post- hurricane Andrew construction — provide the highest
wind resistance and the best insurance credits. Older homes may have only toe
nails or clips, which provide less resistance and fewer discounts.
4. Roof Geometry
The shape of your roof matters significantly in a hurricane. The inspector documents whether your roof is a hip roof (all sides slope down to the walls), a gable roof (triangular ends), a flat roof, or another configuration. Hip roofs are aerodynamically superior in high winds and typically earn the best premium discounts. Gable roofs — especially those with unbraced gable ends — are more vulnerable to wind uplift and receive smaller credits. If your home has a hip roof, a wind mitigation inspection is especially likely to pay for itself in premium savings.
5. Secondary Water Resistance (SWR)
Secondary water resistance refers to a waterproof layer applied directly to the roof deck beneath the primary roofing material — typically a self-adhering underlayment (peel-and- stick) that prevents water intrusion if the primary roof covering is damaged in a storm. This feature is now required by Florida Building Code for new construction, but many older homes lack it. If your home has a qualifying SWR system, it qualifies for an additional insurance credit. The inspector verifies this either by direct observation during a reroof or through permit documentation.
6. Opening Protection
The inspector evaluates how well all openings in the exterior of the home are protected from wind-borne debris — including windows, exterior doors, sliding glass doors, skylights, and garage doors. Protection levels range from unprotected to basic to impact-rated (the highest level). Impact- resistant windows and doors, accordion shutters, reinforced garage doors, and storm panel systems all provide credits. The highest discount category — “A” rated opening protection — requires all openings to be protected with code- compliant impact-resistant glazing or shutters.
Even partially protected homes often qualify for meaningful credits.
Who Should Get a Wind Mitigation Inspection?
Every Florida homeowner is a candidate for a wind mitigation inspection, but the following are especially likely to see meaningful savings:
- Homes with a hip roof (all four sides slope to the walls)
- Homes with impact-resistant windows, doors, or shutters
- Homes with a roof replaced after 2002 (Florida Building Code upgrades following Hurricane Andrew)
- Homes built after 2002 (when post-Andrew building codes became standard statewide)
- Homeowners who haven't had a wind mitigation inspection in the past 5 years and have made improvements to their home
- Anyone shopping for a new insurance policy who wants to maximize their discount eligibility upfront
HOW MUCH CAN YOU SAVE?
Most Brevard County Homeowners Save $400–$1,200/Year
At $120, this inspection pays for itself many times over.
FORM UPDATE:
The Florida Office of Insurance Regulation (OIR) updated the wind mitigation inspection form (OIR-B1-1802) effective April 1, 2026. The revised form includes updated categories, revised documentation requirements, and changes to how certain credits are calculated. The Brevard Inspector stays current with all form updates and has been using the new form from its effective date. If you have a wind mitigation report completed before April 1, 2026, ask your insurance agent whether a new inspection on the updated form would benefit your premium. We'll give you an honest assessment.
What to Expect During Your Wind Mitigation Inspection
- Scheduling: Call (321) 259-2868 or schedule online. Most appointments are available within 1–3 business days.
- Inspection duration: Typically, 30 to 45 minutes depending on home size and attic accessibility. Bundled with a 4- point inspection, the combined visit runs approximately 45 minutes to 1 hour.
- Access needed: Attic access, all exterior sides of the home (for opening protection documentation), and the garage. Original construction permits or documentation for roof replacement, impact windows, or shutters are helpful if available but not always required.
- Photo documentation: Extensive photos are taken in the attic (roof deck, framing connectors) and of all exterior openings. These photos are embedded in the OIR-B1-1802 form and submitted directly with the report.
- Report delivery: Your completed OIR- 1-1802 wind mitigation report is delivered digitally within 24 hours. Submit to your agent: Provide the report to your insurance agent. They submit it to your carrier, and the credits are applied to your next premium billing cycle.
Wind Mitigation Inspection Pricing
$120
Wind Mitigation
Inspection
- Starting at $120 (most homes)
- Price based on home square footage
- No hidden fees
- Citizens-accepted report included
- Digital delivery within 24 hours
- High-res photos
- April 1 2026 form
$200
Wind Mitigation + 4-Point
Bundle
- Starting at $200 (most homes)
- Price based on home square footage
- No hidden fees
- Citizens-accepted report included
- Digital delivery within 24 hours
- High-res photos
- March 2025 and April 1 2026 forms
Ready to Schedule Your Wind Mitigation Inspection?
Call (321) 259-2868 or book online.
Common Questions About Wind Mitigation Inspections in Brevard County Florida
Straight answers — no jargon.
A Wind Mitigation Inspection identifies the wind‑resistant features of your home, such as roof shape, roof-to-wall connections, roof deck attachment, and opening protection. These features can qualify you for insurance discounts.
Florida law requires insurance companies to offer discounts for wind‑resistant construction features. A Wind Mitigation Report documents these features so you can receive the maximum savings.
It includes roof shape, roof covering type, roof deck attachment, roof-to-wall connections, secondary water resistance, and opening protection such as shutters or impact-rated windows.
Most Wind Mitigation Inspections take 30–60 minutes depending on the home’s size and accessibility.
Savings vary, but many Florida homeowners save hundreds per year. Some save over $1,000 depending on their home’s features and insurance carrier.
Yes. At The Brevard Inspector LLC, every full home inspection includes a complimentary Wind Mitigation Report if needed for insurance.
Standalone Wind Mitigation Inspections typically range from $120–$150. Most homes are $120. Call (321) 259‑2868 for exact pricing.
We serve all of Brevard County including Melbourne, Palm Bay, Viera, Cocoa, Titusville, Merritt Island, and surrounding areas. As well as Indian River County.