Free tool for Florida homeowners
Florida Wind Mitigation Credit Calculator
Estimate how much you can save on your Florida homeowners insurance premium by adding hurricane shutters, a hip roof, roof-to-wall straps, and other wind mitigation features. Based on the OIR-B1-1802 inspection form.
Calculator
Estimate Your Wind Mitigation Savings
Pick the feature that matches your home for each category. Don't know one? Pick the most conservative option.
Disclaimer: Credit percentages are industry averages. Each Florida insurer files its own wind mitigation credit table with the OIR. Actual savings will vary. Not legal or insurance advice.
The guide
What Is a Florida Wind Mitigation Inspection?
A wind mitigation inspection is a standardized assessment of how well your home is built to resist hurricane-force winds. The inspector fills out the state's OIR-B1-1802 form, which documents seven specific construction features. Florida law requires insurers to apply mitigation credits when a valid form is submitted — these credits typically range from 20% to 45% off your wind premium, and can exceed 50% on a fully-hardened home.
The 7 OIR-B1-1802 Categories That Drive Your Discount
1. Building Code: Homes built under Florida Building Code (2001+) or Miami-Dade HVHZ code get an automatic baseline credit.
2. Roof Covering: An FBC-equivalent roof installed under modern code earns up to ~18% credit.
3. Roof Deck Attachment: How the roof sheathing is nailed to the trusses. 8d nails at 6"/6" spacing earns the biggest credit.
4. Roof-to-Wall Connection: Toe nails (worst) → clips → single wraps → double wraps (best). The single largest credit category.
5. Roof Geometry: A hip roof (sloping on all four sides) earns ~22% credit. Gable roofs earn nothing here.
6. Secondary Water Resistance (SWR): A self-adhered membrane under the roof covering earns ~5% credit.
7. Opening Protection: Impact-rated windows and doors on ALL openings earns up to ~32%. Partial protection earns less.
How Much Can You Realistically Save?
A typical Florida home built before 1995 with no upgrades might earn 5–10% in mitigation credits. A modern home in a coastal county with hip roof, double wraps, impact glass, and FBC roof can easily earn 40–55%. On a $5,000 annual premium with 70% wind component, that's $1,400–$1,900 per year — and credits compound every renewal.
How to Get the Inspection
Hire a licensed Florida wind mitigation inspector. Typical cost is $75–$150 and the inspection is valid for 5 years. The inspector will photograph attic connections, measure shutters, document the roof, and submit the completed OIR-B1-1802 form. Send it to your insurer — they are legally required to apply applicable credits.
Common Mistakes That Cost Florida Homeowners Money
Not getting an inspection after a roof replacement. Not getting one after installing shutters. Letting an old inspection expire without renewing. Accepting an insurer's word that "you already have all the credits" without verifying the form on file. If you suspect missing credits, request your insurer's most recent mitigation form on file in writing.
Answers
Frequently Asked Questions
How much does a wind mitigation inspection cost in Florida?
Typically $75–$150. The inspection often pays for itself in the first month of premium savings.
How long is a wind mitigation inspection valid?
5 years, or until you make a qualifying change (new roof, new shutters, new windows). Re-inspect after any major upgrade.
Who can perform a wind mitigation inspection?
Licensed general contractors, building contractors, architects, engineers, or licensed home inspectors with proper Florida certifications.
Can my insurer refuse to apply credits?
No — Florida law requires insurers to apply applicable credits when a valid OIR-B1-1802 form is submitted. If they refuse, file a complaint with the Florida DFS.
Do I have to re-inspect to keep my credits?
Most insurers honor a valid form for its full 5-year life. Some require re-inspection on renewal — check your specific carrier's rules.
Disclaimer
This tool provides estimates only. Each Florida insurer files its own wind mitigation credit table with the OIR, so actual credits vary by carrier. Not legal or insurance advice.