How much a wind mitigation inspection saves
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Not insurance advice. General information only. Your insurer or agent decides what it needs.
Short answer: it depends on your home and your insurer, and there is no single statewide number. Florida law requires every residential property insurer to offer discounts for wind-resistant features. The credits come off the hurricane-wind part of your premium, not the whole bill. OIR's official credit table (form OIR-B1-1699) shows credits ranging from 0% for a home with no qualifying features to as high as 88%.
What the law requires
Florida Statutes s. 627.0629(1) says a residential property rate filing "must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles" for homes with features "demonstrated to reduce the amount of loss in a windstorm." The listed features include roof strength, roof covering performance, roof-to-wall strength and opening protection. Since October 1, 2023, each insurer must also describe its hurricane mitigation discounts on its website.
To get the discounts, your insurer needs proof of the features, usually the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) signed by a qualified inspector. OIR says the form is valid for up to five years if the structure doesn't change. See the form, question by question.
The discount applies to the hurricane-wind premium only
OIR's standard notice to policyholders (form OIR-B1-1655) explains that your premium has two parts: one for hurricane-force wind and one for everything else, such as fire. It says the mitigation "discounts apply only to the hurricane-wind portion of your policy." The same notice says discounts "are not calculated cumulatively. The total discount is not the sum of the individual discounts." Your insurer fills in your own maximum.
The notice also says homes built under the 2001 Florida Building Code or later "are eligible for a minimum 68% discount on the hurricane-wind portion" of the premium. OIR lists this notice as revised February 2010, with updates pending, so ask your insurer for its current figures.
What OIR's credit table shows
OIR's form OIR-B1-1699, "Windstorm Mitigation Discounts; Single Family Residences," shows the range of wind premium credits for existing homes. OIR lists it as effective October 2006, with updates pending. A few rows for a home that does not meet the 2001 code for roof covering, with the weakest deck nailing (6d nails at 6"/12") and a 2% hurricane deductible in terrain B, show how features stack up:
| Roof shape | Roof-to-wall | Opening protection | Credit | |
|---|---|---|---|---|
| Nothing qualifying | Other (e.g., gable) | Toe nails | None | 0% |
| Hip roof only | Hip | Toe nails | None | 47% |
| Clips only | Other | Clips | None | 35% |
| Clips + hurricane protection | Other | Clips | Hurricane, windows or all | 50% |
| Hip + clips + hurricane protection + SWR | Hip | Clips | Hurricane, windows or all | 74% |
Percentages are OIR-B1-1699 values rounded to whole numbers. SWR = secondary water resistance. The highest value in the table, 88%, is for a reinforced concrete roof deck. Insurers file their own discount factors with OIR, so your actual credit can differ.
What this means in dollars
A credit percentage only turns into dollars once you know your hurricane-wind premium. OIR's notice asks the insurer to show both your hurricane-wind premium and your total premium, so check your declarations page or ask your agent for the hurricane portion. Then compare the cost of an inspection (see local prices) with what the credits could take off that portion.
Which features matter
- Roof shape: a hip roof qualifies when other roof shapes make up no more than 10% of the total roof perimeter (OIR-B1-1802, question 7).
- Roof-to-wall attachment: clips, single wraps or double wraps rate better than toe nails (question 6).
- Opening protection: credit is based on the weakest protected opening. Citizens' guide says opening protection credit is granted "based on the weakest form" of protection (question 9).
- Roof deck attachment and secondary water resistance: stronger nailing and a sealed roof deck add credit (questions 5 and 8).
If you're with Citizens
Citizens told agents on March 19, 2026, that the new Rev. 04/26 form "will not result in any difference to the credits available and applied at this time." Its Wind Loss Mitigation Guide says mitigation credits will not be granted if the form is completed by an unqualified or unlicensed inspector. See what changed on the Rev. 04/26 form.
FAQ
How much does a wind mitigation inspection save in Florida?
It depends on your home's features and your insurer. Discounts apply only to the hurricane-wind portion of the premium. OIR's official credit table ranges from 0% to 88%, and insurers file their own factors.
Are wind mitigation discounts required in Florida?
Yes. Florida Statutes s. 627.0629 requires residential property rate filings to include actuarially reasonable discounts or credits for wind-loss-reducing features.
Do wind mitigation discounts add up?
No. OIR's notice to policyholders says discounts are not cumulative; the total discount is not the sum of the individual discounts.
Sources
- Florida Statutes s. 627.0629 (2026), residential property insurance; rate filings: leg.state.fl.us (checked Oct 21, 2026)
- Florida OIR, Notice of Premium Discounts for Hurricane Loss Mitigation, OIR-B1-1655 (Rev. 02/10): floir.gov (PDF) (checked Oct 21, 2026)
- Florida OIR, Windstorm Mitigation Discounts; Single Family Residences, OIR-B1-1699: floir.gov (XLS) (checked Oct 21, 2026)
- Florida OIR, Wind Mitigation Resources: floir.gov (checked Oct 21, 2026)
- Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26): floir.gov (PDF) (checked Oct 21, 2026)
- Citizens Wind Loss Mitigation Guide (Rev. 04/26): PDF (checked Oct 21, 2026)
- Citizens, "Uniform Mitigation Verification Inspection Form Changes" (03.19.26): citizensfla.com