How To Look At A House

McGarry and Madsen's home inspection blog for buyers of  

site-built, mobile/manfuactured and modular homes

How much does a wind mitigation inspection cost?

Monday, January 3, 2022

You can expect to pay between $75 and $150, with the average price being in the middle of those two numbers. A wind mitigation report is much less expensive if you order it at the same time as a buyer’s home inspection, because it saves an inspector the additional travel time to come back. Some inspectors, like us, even include it free with the home inspection. 

    Most of the work for a wind mitigation inspection is done in the attic, where the inspector checks things like how the roof sheathing is nailed to the trusses/rafters and, in turn, how the trusses/rafters are secured to the walls. All findings must be photo-documented in the report. For details of the other items that are checked, see our article What is checked during a wind mitigation inspection? 

    If your house is 30 years old or more, it’s likely that your homeowners insurance company will also request that you provide a four-point inspection, and many inspectors also offer a discount for doing both at the same time.

    And here’s links to a collection of our other articles about the WIND MITIGATION INSPECTIONS:

 Who can perform a wind mitigation inspection in Florida?

• Why is my insurance company requiring a Wind Mitigation inspection? 

• How long does it take for a wind mitigation inspection? 

Is a wind mitigation inspection transferable from previous homeowner to new homeowner?

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 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?  

• 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?

• How long does a wind mitigation inspection remain valid? 

What is a wind mitigation discount? 

Do I get a discount for partial hurricane shutters in a Wind Mitigation inspection?

• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report? 

 What’s the difference between a four-point and wind mitigation inspection?

• What is the discount for Secondary Water Resistance (SWR) on a Wind Mitigation Inspection Report (OIR-B1-1802)? 

How much does a wind mitigation inspection save on insurance?

• What is the discount for gable end bracing in a Wind Mitigation Inspection (OIR-B1-1802)? 

What is the discount for wall construction type in a Wind Mitigation Inspection Report (OIR-B1-1802)?

• Does RhinoRoof® underlayment qualify to the Secondary Water Resistance (SWR) discount on a Florida Wind Mitigation (OIR-B1-1802) inspection? 

Can I get the Florida Building Code (FBC) discount on a wind mitigation form even if the permit application was before March 1, 2002?

• What is the difference between the HVHZ (High Velocity Hurricane Zone) and the Wind-Borne Debris Region in Florida Building Code? 

If the strap has 2 nails at my roof trusses, what credit do I get on my wind mitigation inspection?

• Is a digital signature acceptable for customers on the Florida Wind Mitigation Form (OIR-B1-1802)? 

• Can I get a wind mitigation inspection for a mobile home? 

Can I get a wind mitigation inspection for a modular home?

• Why didn't I get the hip roof discount on my wind mitigation inspection? 

What does toe nailing mean?

• Is it worth it to upgrade my roof tie-down hurricane straps for a better wind mitigation insurance discount? 

Why didn’t I get an insurance discount for my new hurricane-resistant windows on my wind mitigation inspection?

• When did Florida start requiring re-nailing of roof deck sheathing for a roof replacement?

•  How can I get a better wind mitigation report and reduce the cost of my windstorm insurance in Florida?

• What would cause a roof to fail the wind mitigation inspection? 

Can I get wind mitigation inspection discounts on my commercial building insurance in Florida?

• What is Secondary Water Resistance (SWR) for the Florida wind mitigation inspection form? 

What types of documentation/proof of roof covering age are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

• What types of documentation/proof of roof-deck attachment are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

• What types of documentation/proof of roof-to-wall connection are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

What types of documentation/proof of roof geometry (shape) are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

• What types of documentation/proof of secondary water resistance (SWR) are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

What types of documentation/proof of opening protection are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

• What types of documentation/proof of year built of home are acceptable for the Florida wind mitigation form (OIRC-B1-1802)? 

What types of documentation/proof are acceptable for the Florida wind mitigation form (OIRC-B1-1802)?

Does hurricane shutter installation require a building permit in Florida?

• What happens to my Florida wind mitigation insurance discount for hurricane shutters/windows if even only one opening is not protected? 

When is a roof excluded from the calculation for the hip roof discount on a Florida wind mitigation form?

• Does a Florida Wind Mitigation report evaluate roof condition? 

What photos are required for a wind mitigation report (OIR-B1-1802) in Florida?

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