Why Wind Mitigation Inspections Matter in Florida
Hurricanes and tropical storms are part of life in Florida, which makes protecting your home from wind damage essential. A wind mitigation inspection not only helps keep your property safe but can also lower your home insurance premiums.
But what most homeowners want to know first is: What is the average wind mitigation inspection cost? Let’s break it down.
Average Wind Mitigation Inspection Cost
In Florida, the average wind mitigation inspection cost ranges from $100 to $300. The final price depends on the size of your home, its location, and whether you bundle it with other insurance-related inspections.
Compared to the potential savings (hundreds or even thousands of dollars annually on your homeowner’s insurance) the inspection usually pays for itself within the first year.
Pro Tip: Many homeowners save the most by scheduling a 4 point and wind mitigation inspection together, since insurance companies often require both.
At My Safe Home Inspection, we believe in affordable pricing statewide. No matter where you’re located in Florida, we have inspectors in your area. We offer two pricing options: Standard and Signature. If you provide us with your insurance agent’s information, you will receive their discounted Signature Pricing. Simply give us a call to unlock Signature pricing!
What’s Included in a Wind Mitigation Inspection Report?
After the inspection, you’ll receive a detailed wind mitigation inspection report that you can share with your insurance provider to qualify for discounts. This report highlights your home’s wind-resistant features, including:
- Roof shape
- Hip roofs are more wind-resistant
- Hip roofs are more wind-resistant
- Roof covering
- Materials like shingles or tiles, and when they were installed
- Materials like shingles or tiles, and when they were installed
- Roof deck attachment
- How the decking is secured to the trusses
- How the decking is secured to the trusses
- Roof-to-wall connections
- Clips, straps, or other reinforcements
- Clips, straps, or other reinforcements
- Secondary water resistance
- Extra layers that prevent leaks if shingles blow off
- Extra layers that prevent leaks if shingles blow off
- Opening protections
- Impact-resistant windows, hurricane shutters, reinforced doors
- Impact-resistant windows, hurricane shutters, reinforced doors
Understanding the Wind Mitigation Inspection Form
Insurance carriers in Florida require the official wind mitigation inspection form, known as OIR-B1-1802. Licensed inspectors complete this form during the inspection and provide it to you along with the full report.
Without this wind mitigation inspection form, insurers cannot apply any potential discounts to your policy, even if your home has all the right protective features.
When to Combine a 4 Point and Wind Mitigation Inspection
For many Florida homeowners, insurance companies require both a 4 point inspection and a wind mitigation inspection. You will likely need both inspections at one point or another, which is why we recommend bundling these inspections to lower your overall cost compared to booking them separately. Plus, when you bundle, you don’t have to set aside time for two visits, we’ll get your insurance-approved reports completed in one visit.
A 4 point inspection evaluates your home’s four major systems: roofing, plumbing, electrical, and HVAC. A combined 4 point wind mitigation inspection covers your home’s four major systems and your home’s wind-resistant features. Meet both insurance requirements in a single appointment and save time and money.
Is a Wind Mitigation Inspection Worth the Cost?
Absolutely. While the wind mitigation inspection cost is relatively low, the value is high. Not only do you receive the peace of mind that your home is better protected against storms, but you can also enjoy significant savings on your home insurance premiums.
Wind Mitigation Inspection Takeaways
If you’re wondering whether a wind mitigation inspection cost is worth it, the answer is yes. A small upfront investment provides years of savings, security, and insurability.
Ready to protect your home and lower your insurance premiums? Schedule your 4 point and wind mitigation inspection today and get your official wind mitigation inspection report and form completed by licensed Florida professionals.