Wind mitigation inspection in Miami
We document your roof deck, roof straps, roof shape and window protection on the state form, so your insurer can apply the wind discounts you qualify for.
At a glance
What a wind mitigation inspection checks
A wind mitigation inspection verifies the construction features that help a house hold up in a hurricane. Florida insurers are required to offer discounts for these features, and the inspection is how you prove you have them. We record each item on the state’s Uniform Mitigation Verification Inspection Form (OIR-B1-1802) with photos:
- Building code the roof was built to
- Roof covering and its permit or install date
- Roof deck attachment: nail size and spacing
- Roof-to-wall attachment: toe-nails, clips, single or double wraps
- Roof shape: hip roofs score better than gables
- Secondary water resistance under the roof covering
- Opening protection: impact windows, doors and shutters
Why it can lower your premium
In South Florida the windstorm part of a homeowner’s policy is often the largest piece. If your house has features like hurricane straps, a hip roof or impact-rated openings, the form documents them so your insurer can apply the credit. Homeowners who just replaced a roof often get one, as one of our clients did after putting on a new roof.
Miami-Dade and Broward: the High-Velocity Hurricane Zone
Miami-Dade and Broward sit in Florida’s High-Velocity Hurricane Zone, where the building code is stricter. We note the code your roof was built to, which affects how the form is scored.
The strap that holds the roof on
Roof-to-wall attachment is checked from the attic. Move the light to find the strap tying the truss to the block wall.
Straps, clips and wraps each score differently on the form. We photograph what your house actually has.
What we look at
What clients say
We got a Wind Mitigation inspection done for insurance purposes after putting a new roof on. [The inspector] was on time, professional and reasonably priced.
…a very professional packet for our wind mitigation & 4 point inspection. The pictures were wonderful.
[Top Property Inspections] just did our 4-point and Wind Mitigation inspection for our house. Great service and highly recommended.
Wind mitigation inspection: common questions
For many South Florida homes, yes: the discounts it supports can be worth far more than the inspection. Your insurance agent can estimate the savings.
The OIR-B1-1802 form is generally accepted for up to five years, as long as nothing on the house changes. A new roof is a good reason to get a fresh one.
Yes. Roof deck nailing and roof-to-wall straps are checked from the attic, so we need access to the attic hatch.
Yes. Most clients get the wind mitigation and the 4-point on the same visit.
Other inspections
We inspect across Miami-Dade, Broward, Palm Beach and the Florida Keys.
Book your wind mitigation inspection.
Send the basics and we’ll call or text you back with a time and a quote. In a hurry? Call (786) 376-4358.
Request an inspection
Open 7 AM–7 PM, 7 days a week.