A wind mitigation inspection is the single highest-ROI hour you can spend as a Florida homeowner. The report documents which hurricane-resistant features your home has — roof shape, deck attachment, secondary water barrier, hurricane straps, opening protection — and qualifies you for discounts on the wind portion of your homeowners insurance premium. Most Miami homeowners save 20–60% on their wind premium, and homes with strong mitigation features can save up to 88%.
BGI Roofing performs wind mitigation inspections across Miami-Dade and Broward County, using the updated OIR-B1-1802 form that became mandatory on April 1, 2026.
What’s New in the 2026 Wind Mitigation Form
The Florida Office of Insurance Regulation updated the Uniform Mitigation Verification Inspection Form based on the 2024 Residential Wind-Loss Mitigation Study. Key changes:
- New construction techniques and roof-deck attachment methods now qualify for credits
- Updated criteria for secondary water barrier (SWB) installations
- More granular roof-to-wall connection categories
- Clarified documentation requirements for impact-rated openings
As of April 1, 2026, no inspection submitted on the old form will be accepted by Florida carriers. If your most recent wind mitigation inspection is on the pre-2026 form, you may want a refresh — your home may qualify for additional credits under the new criteria.
What the Inspection Documents
The inspection covers seven sections, each tied to specific insurance credits:
- Roof covering — material type, installation date, code compliance
- Roof deck attachment — nail pattern, fastener type, decking material
- Roof-to-wall connection — clips, single wraps, double wraps, structural
- Roof geometry — hip, gable, flat, or mixed
- Secondary water resistance (SWB) — sealed deck or self-adhering underlayment
- Opening protection — impact-rated windows, doors, garage doors, hurricane shutters
- Building code compliance — date built relative to applicable Florida Building Code
Each section has a discount tied to it. Most Miami homes qualify for at least 4–5 credits.
Why a HAAG-Certified Inspector Matters Here
The wind mitigation form is checkbox-based, but the underlying assessment requires roofing expertise. A field inspector who isn’t trained in roofing systems often misses credits — for example, mistaking a secondary water barrier for standard underlayment, or under-classifying a roof-to-wall connection. Both mistakes cost you premium dollars every year.
Andrew Babeu is a HAAG-Certified Residential Roof Inspector and a Florida-licensed roofing contractor — he reads the roof correctly, documents every qualifying feature, and provides the photo evidence your insurance carrier requires.
How Much Can You Actually Save?
Real-world Miami examples (typical, not guaranteed):
- 2005 home, hip roof, hurricane straps, no SWB, no impact glass → ~25–40% wind premium discount
- 2010 home, hip roof, hurricane straps, SWB, partial impact glass → ~50–65% discount
- 2018 home, hip roof, FBC HVHZ code, SWB, full impact-rated openings → ~75–88% discount
For most Miami-Dade homeowners paying $2,500–$5,000+ annually in wind premium, this inspection pays for itself many times over in the first year alone.
Cost and Scheduling
Wind mitigation inspections typically run $125–$225 in Miami-Dade and Broward, with the report delivered within 24–48 hours of the inspection. The OIR-B1-1802 report is valid for up to five years as long as no material changes are made to the home.
Frequently Asked Questions
Will my insurance company accept your report?
Yes — every Florida-licensed roofing contractor is authorized to perform the inspection under Florida Statute § 627.711. We submit on the current OIR-B1-1802 form, which is what every Florida carrier accepts.
Do I need a wind mitigation inspection if I already have one?
If your existing report is more than 5 years old, or was submitted on the pre-April 2026 form, getting a refreshed inspection is often worth it — the 2026 form recognizes more credits.
Can I combine the wind mitigation with a 4-point inspection?
Yes, and most homeowners do. Bundled pricing is typically $200–$325 depending on the property. Ask when you book.
How do I get the discount applied to my policy?
You submit the completed report to your insurance carrier or agent. They re-rate your policy based on the documented credits. The discount typically appears at your next renewal — but in some cases, your carrier will refund the difference mid-term.
What if my home doesn’t qualify for many credits?
The inspection itself still tells you exactly what mitigation upgrades would pay back the fastest. For example, installing impact-rated garage doors or a secondary water barrier may pay back in 1–3 years through reduced premium.
Book a Wind Mitigation Inspection
Call (305) 894-6575 to schedule. Most homeowners save more in the first year than the inspection costs over five.
License CCC1337074 — Florida-licensed roofing contractor, HAAG-Certified Inspector.