A wind mitigation inspection is one of the highest-ROI things a homeowner in a hurricane-prone state can do — a $150-$300 inspection can unlock insurance discounts that pay for themselves many times over across a policy's life.
A wind mitigation inspection documents features that reduce hurricane damage risk — roof shape, deck attachment method, roof-to-wall connections, and opening protection. It costs $75 to $200 (most homeowners pay around $100-$150) and, in states like Florida, can unlock insurance premium discounts of 25% to 45% on the windstorm portion of your policy — Florida Statute 627.0629 requires insurers to apply the discount once a licensed inspector verifies the features, they cannot refuse it. As of April 1, 2026, Florida inspectors must use a revised version of the standard form (OIR-B1-1802); reports completed before that date on the older form remain valid for their original 5-year window.
Florida's insurance market has the most formalized wind mitigation discount structure in the country, tied directly to the state's uniform inspection form. But other hurricane and high-wind-exposed states (across the Gulf Coast and Atlantic coast) have similar, if less standardized, discount programs — it's worth asking any insurer in a wind-exposed region whether a wind mitigation inspection affects your premium.
Right after a roof replacement is the ideal time, since a new roof often qualifies for the strongest discounts (especially with hurricane straps and modern deck attachment specified during construction) — many roofing contractors can arrange the inspection as part of project close-out. It's also worth getting one on an existing older roof; some discount may still apply even without every feature.
One-time inspection cost, potentially unlocking premium discounts up to 45% depending on features documented and insurer.
It varies significantly by insurer and the specific features your home has, but discounts in the 10-45% range on the wind portion of your premium are realistic in Florida, with a hip roof and modern hurricane straps typically driving the largest savings.
Yes — the inspection reflects the current condition of your roof, so a new roof (especially one built with better wind-resistant features) should get a fresh inspection to capture the improved discount.
Typically 5 years in Florida, or until you make changes to the roof or openings, whichever comes first — check with your specific insurer for their policy.
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