Wind mitigation

Wind mitigation is a set of construction features that reduce wind damage, such as roof-to-wall connections and impact-resistant windows. Insurance carriers use wind mitigation inspection reports to determine premium discounts in high-risk states like Florida.

Homeowners can submit certified wind mitigation inspections to prove eligibility for insurance credits, typically ranging from 10% to 45% off the wind portion of premiums, the Insurance Information Database reports. Inspectors verify protective measures including hurricane shutters, roof shape (e.g. hip), and roof deck attachment methods using photos and documentation.

Insurers in states like Texas and Louisiana accept specific forms–such as the OIR-B1-1802 in Florida–as evidence of qualifying features. Construction year and updates, such as post-2002 roofs, often impact discount eligibility due to updated building codes.

Common wind mitigation features include reinforced garage doors, secondary water resistance barriers, and double wraps on trusses or rafters. Inspections usually cost $75 to $150 but can pay for themselves within one policy period through savings.

Insurance companies may deny or reduce discounts if inspection forms lack details or proof photos of completed mitigation work. Policyholders must update their insurer after adding new mitigation features to maintain or increase premium discounts.