What is a wind mitigation discount?

Friday, February 21, 2020

The State of Florida requires insurance companies to give discounts on the windstorm portion of your homeowner’s insurance for hurricane-resistant construction features of your home. The discounts are called Wind Mitigation Credits and are deducted from your policy premium after an inspector certifies and photo-documents their existence.

    It is not a pass/fail inspection, and the result of the inspection usually—but not always—reduces the cost of your insurance; and the report cannot cause your insurance to be declined or the cost to go up.

    You can't do the inspection yourself. It must be done by a Florida-licensed contractor, home inspector, architect, or engineer.

Here’s links to a collection of our blog posts about the WIND MITIGATION FORM:

Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

Which building permit date is used for the Building Code section of the wind mitigation form? 

What are the different roof deck attachment discount categories for a wind mitigation inspection?

What determines the year of a house? 

What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

How do I get the hip roof discount for my homeowners windstorm insurance?

Can I do my own wind mitigation inspection?   

What’s the difference between a gable and hip roof for my insurance? 

• What is the wind mitigation inspection for homeowner's insurance? 

• Why did I get no discounts or only a small discount from my wind mitigation inspection? 

How can I tell how hurricane resistant a Florida house is before I buy it?

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