A wind mitigation inspection can cut hundreds — often over a thousand — dollars a year off a Florida homeowners insurance premium. The inspector documents your roof’s wind-resistant features on Florida’s standard Form OIR-B1-1802, and your insurer applies the credits. Leeward Roofing (License CCC1337211) helps Sebastian and Vero Beach homeowners get inspection-ready — and builds every roof we install to maximize those credits.
What Earns Wind Mitigation Credits in Florida
- Roof covering installed to current Florida Building Code standards
- Roof deck attachment — ring-shank nails at tight spacing beat staples by a wide margin
- Roof-to-wall connections — hurricane clips and straps outperform toe-nails
- Roof shape — hip roofs earn more credit than gable ends
- Secondary water resistance — a sealed roof deck that keeps water out even if covering blows off
- Opening protection — impact windows, doors and shutters
Replacing Your Roof? That’s the Moment
Most credits get locked in at roof replacement time: deck re-nailing, sealed-deck underlayment and strap upgrades cost little during the job and pay back every year on your premium. Ask us to spec your replacement for maximum wind mitigation credit — then have the 1802 inspection done when the roof is complete.
Wind Mitigation FAQs
Who performs the inspection?
A licensed inspector, contractor, engineer or architect completes Form OIR-B1-1802, usually in under an hour, with photos of the attic, straps and roof. It’s typically valid for five years.
How much can I save?
Savings vary by insurer and home, but Florida law requires insurers to offer wind mitigation credits — many Treasure Coast homeowners see premium reductions in the hundreds to thousands of dollars per year, especially after a code-compliant roof replacement.
Does an old roof disqualify me?
Not automatically — but roof age affects insurability on its own, and older roofs rarely have the documented features that earn credits. A free inspection tells you where you stand.
Storm-proofing your home? Start at the Hurricane Command Center or call 772-589-2400.