Wind Mitigation Inspections Fort Lauderdale & Boca Raton

Florida Statute requires insurance companies to offer Florida Wind Mitigation Inspections residents “discounts, credits, or other rate differentials” for construction techniques that reduce damage and loss in windstorms. Wind mitigation inspections are the key to unlock these discounts. Generally, houses built in Miami Dade or Broward counties have one or more wind resistive features that are likely to qualify for significant discounts. Discounts are calculated as a percentage of the wind premium for your specific home. High value homes have higher premiums, hence, the dollar value of the discounts will increase as the value of the home increases. Our state licensed home inspectors will verify and report your home’s construction features on the current OIR Form B1-1802 for you to submit to your insurance company. Stop paying too much on your homeowner’s insurance. Call us today and find out how much you can save. Check our low, competitive fee! Discounts apply when you order your wind mitigation survey with a 4 point survey, roof condition certification or other inspection services.

Wind Mitigation Construction Features in South Florida

Below is a list of wind mitigation features Citizens accepts for premium credits for multiperil and
wind-only policies.

Mitigation Features Eligible Building Types
Roof Covering

Common types include shingles, clay tiles, metal, and built-up tar and gravel. This feature must
meet or be equivalent to the Florida Building Code.

  • Single-family homes
  • Apartment units
  • Residential condominium units
  • Commercial residential apartment and condominium association buildings
Roof Deck Attachments

The method used to connect the roof decking (plywood, metal panels, etc.) to the roof trusses or
rafters.

Also includes cast-in-place or pre-cast concrete and self-supporting roof systems.

Secondary Water Resistance

Material applied to the roof covering to prevent water from intruding into the structure.

Does not include roofing felt or similar paper-based products.

Opening Protection

Wind-borne debris protection devices installed to protect structure openings (windows, skylights,
doors, etc.).

  • Single-family homes
  • Apartment units
  • Residential condominium units
  • Commercial residential apartment and condominium association buildings
  • Buildings used for commercial purposes
Roof-to-Wall Attachment

The method used to connect the roof trusses or rafters to the walls of the structure.

  • Single-family homes
  • Apartment units
  • Residential condominium units
    3 stories or fewer only
Roof Shape

Common roof shapes include hip, gable or flat.

  • Single-family homes
  • Apartment units
  • Residential condominium units
    3 stories or fewer only


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