A wind mitigation inspection documents specific construction features that some Florida carriers use in rating a policy. It is not a roof condition report and it is not automatically in your interest to order one — the form records what is actually there, including features that are missing.
If the roof is older or was installed to an earlier code, a wind mitigation form can end up documenting non-compliant items rather than credits. We recommend a licensed roof and attic inspection first to confirm what is actually up there. If the roof does not qualify, ordering the wind mitigation paperwork first does not help you.
Wind mitigation inspections are performed by a qualified third-party inspector. We coordinate the roof and attic inspection side and route you appropriately based on what we find.
The wind mitigation inspection is billed by the third-party inspector, not by us, so the price is theirs to quote. What moves it: whether it is ordered on its own or bundled with a 4-point inspection, the size and height of the home, how far the inspector travels, and whether attic access is available for the deck-attachment photos. Some carriers and agents keep a list of inspectors and occasionally cover or discount the fee at renewal — ask your agent before you pay out of pocket. Ask for the fee in writing up front, and confirm whether re-inspection after roof work is included.
It is a documentation visit, not a repair visit. The inspector photographs the roof covering, gets into the attic for deck attachment and roof-to-wall connections, checks roof geometry, looks for a secondary water barrier and records opening protection on windows and doors. Homes with a sealed or inaccessible attic take longer because the inspector has to work harder to evidence the connections — and missing photo evidence is the most common reason a form comes back without credit.
The output is the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802) — the document people mean when they say wind mitigation certificate or wind mitigation report. It goes to your carrier, not to us. Keep your copy: it records what was verified and when, and it is the first thing to re-check after a roof replacement, because a new code-compliant roof can change what the form documents.
It is not required by law to own a home, but Florida carriers commonly request one, and many homeowners order one at renewal. The honest answer depends on the roof: on a newer, code-compliant roof the form has real features to document. On an aging roof it can simply record what is missing. That is the whole reason we inspect the roof and attic first instead of sending you straight to paperwork.
It depends entirely on what the inspection documents and on your carrier. If the construction features are not present, there is nothing for the form to credit. We do not promise premium outcomes.
Get the roof and attic inspected first. An older roof frequently documents items that do not help, and in some cases surfaces issues you would rather address before filing paperwork with a carrier.
It is priced by the third-party inspector who performs it. Cost depends on home size, attic access, travel and whether it is bundled with a 4-point inspection. Ask for the fee in writing before booking, and ask your agent whether your carrier contributes.
Seven things: roof covering compliance, roof deck attachment, roof-to-wall connection, roof geometry, secondary water resistance, opening protection, and the building code and permit date the home was built or re-roofed under.
No. Wind mitigation documents wind-resistance construction features. A 4-point documents the age and condition of the roof, electrical, plumbing and HVAC. Carriers often request both together at renewal.
Carriers generally treat the form as valid for a set period and will ask for a current one at renewal. Your agent can confirm the window your specific carrier applies — and order a new one after a roof replacement, since the answers change.
O'Brien Contracting — Florida roofing contractor, license CCC1335947. Call (239) 919-4485.