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Roof Inspection & Wind Mitigation
A wind-mitigation inspection is documentation work with a direct dollar payoff: a licensed inspector verifies specific, code-relevant construction features of a roof, completes a standardized state form, and that form becomes the basis for insurance discounts Florida law requires insurers to offer. It’s a different service than a repair call or a pre-purchase home inspection, and understanding what it actually checks — and what it doesn’t — is the difference between a homeowner leaving real savings on the table and one who’s fully documented.
Elbaz Construction performs wind-mitigation inspections as a standalone service and as a standard part of every replacement or major repair project, because the documentation only has value if it accurately reflects what’s actually on the roof.
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What a wind-mitigation inspection actually checks.
The inspection is built around the categories on Florida’s Uniform Mitigation Verification Inspection Form (OIR-B1-1802): the roof covering type and its compliance status, the roof deck attachment method (nail pattern and spacing, or an equivalent fastening system), the roof-to-wall connection type (toe-nailed, clipped, or single/double-wrap strapped — each scoring differently), the overall roof shape (hip roofs generally score better than gable or other shapes), whether secondary water resistance is present (a peel-and-stick membrane under the covering that keeps water out even if the covering itself is compromised), and the level of opening protection on windows and doors (impact-rated products or code-compliant shutters, full or partial). Each category is documented and photographed individually.
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What it's worth in dollars.
The inspection itself is a modest expense — commonly in the $75-$150 range — and the completed form stays valid for up to five years as long as no material changes are made to the structure. The payoff is on the insurance side: industry sources describe combined wind-mitigation credits reaching into a large share of the wind portion of a premium when a home scores well across every category, with hip roof shape alone commonly cited in the high-20s to low-30s percent range on the wind portion specifically. Actual savings depend on the individual insurer’s underwriting, but a $75-$150 inspection regularly nets homeowners several hundred dollars or more in annual savings.
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Wind mitigation vs. a 4-point inspection vs. a roof-age certification — three different documents.
These get confused constantly, but they serve different purposes. A wind-mitigation inspection documents storm-resistance features for a premium discount. A 4-point inspection (roof, electrical, plumbing, HVAC) is a separate underwriting document many insurers require on older homes regardless of wind-mitigation status, focused on system age and condition rather than storm features. A roof-age or remaining-useful-life certification is a third, distinct document used specifically once a roof passes 15 years old — Florida law lets a licensed inspector certify at least five more years of useful life to keep a policy in force on that basis, separate from either of the other two inspections.
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When to get inspected, or re-inspected.
The clear triggers are after any roof replacement or repair that changes a documented feature (new covering, added secondary water resistance, new impact windows), before a policy renewal if the last form is approaching its five-year expiration, and before purchasing a home rather than relying on the seller’s form, which may not reflect the buyer’s actual insurer requirements. Beyond those triggers, getting inspected proactively ahead of hurricane season each year is simple, low-cost diligence — not required, but a reasonable habit in a high-storm-risk region.
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Materials
OIR-B1-1802 Uniform Mitigation Verification Inspection Form
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the state-standardized deliverable submitted to the insurer.
NOA and permit verification
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confirming the roof covering’s product approval status as part of the inspection.
Photo documentation of each category
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roof covering, deck attachment, roof-to-wall connection, shape, secondary water resistance, opening protection.
Attic access and moisture documentation tools
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used to verify deck attachment and secondary water resistance.
Roof-age/remaining-useful-life certification
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a separate document available for roofs past 15 years old.
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What Drives The Cost
- Roof accessibility — attic access, roof pitch, and height affect inspection time.
- Standalone inspection vs. bundled with repair/replacement work — bundling typically costs less than a separate service call.
- Home size and number of roof planes — more roof geometry to document takes longer.
- Insurance deadline urgency — expedited turnaround for a renewal deadline can affect scheduling cost.
- Companion inspections — bundling a 4-point inspection or roof-age certification with the same visit is more efficient than separate appointments.
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Our Process
Schedule & On-Site Inspection
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Document Each Category with Photos
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Complete & Sign the State Form
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Deliver the Report
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Follow-Up Recommendations
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On-roof and attic inspection covering every OIR-B1-1802 category.
Photograph roof covering, deck attachment, roof-to-wall connections, roof shape, secondary water resistance, and opening protection individually.
Fill out and certify the OIR-B1-1802 form per Florida Office of Insurance Regulation requirements.
Provide the completed, signed form to the homeowner for submission to their insurer or agent.
Identify specific, cost-effective upgrades (e.g., secondary water resistance, roof-to-wall connector upgrades) that would move the roof into a better credit category, with pricing if the homeowner wants to act on them.
One point of contact, start to finish — us. Call 754-236-0675 | Get A Free Estimate
Recent Roofing Work
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See How We Work
AI-generated illustrative footage of a general construction framing/insulation process (not a specific Elbaz project or location).
AI-generated illustrative footage of a general room-addition framing process (not a specific Elbaz project or location).
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Roof Inspection & Wind Mitigation Questions, Answered
1 What's the actual difference between a wind mitigation inspection and a regular roof inspection?
A wind-mitigation inspection is a specific, standardized form (OIR-B1-1802) documenting storm-resistance features for insurance discount purposes. A general roof inspection is a broader condition assessment looking for leaks, damage, and remaining service life — they're not interchangeable.
2 How much money will a wind mitigation inspection actually save me?
It depends on your insurer and how many categories your roof scores well on, but the inspection itself typically costs $75-$150 and can unlock discounts reaching a substantial share of the wind portion of your premium — hip roof shape alone is commonly cited in the high-20s to low-30s percent range on that portion.
3 Do I need a new wind mitigation inspection every time I renew my policy?
No — the form stays valid for up to five years as long as nothing material has changed on the structure. You do need a new one after a roof replacement or any change to a documented feature.
4 What's a 4-point inspection and is it the same as wind mitigation?
No, it's a separate document. A 4-point inspection assesses the age and condition of the roof, electrical, plumbing, and HVAC systems, and many insurers require it on older homes independent of any wind-mitigation credit.
5 My roof is 16 years old — what inspection do I need to keep my insurance?
Once a roof passes 15 years, Florida law allows a licensed inspector to certify at least five more years of useful life to keep a policy in force — that's a distinct roof-age certification, separate from a standard wind-mitigation inspection, though both may be worth having.
6 Can any roofer do a wind mitigation inspection, or does it have to be a special inspector?
It generally has to be performed by a qualified, licensed inspector (which can include a licensed contractor) authorized to complete and sign the OIR-B1-1802 form under Florida's insurance regulations.
7 What roof features actually move the needle on my insurance discount?
Roof shape (hip scores best), documented secondary water resistance, verified roof-to-wall connection type, and confirmed deck attachment method are the categories that typically produce the most meaningful credit.
8 I'm buying a house — should I get my own wind mitigation inspection or trust the seller's?
Get your own. A seller's form may be outdated, may not reflect your specific insurer's requirements, and buyers are generally better served having current, independently verified documentation before binding a policy.
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Why Homeowners Choose Elbaz Construction
Licensed General Contractor
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