Wind Mitigation Inspections and Insurance Credits in Orlando, FL
Florida law requires insurers to offer premium discounts for homes built or retrofitted to resist hurricane winds, and a wind mitigation inspection is how you document those features. For Orlando homeowners facing rising insurance premiums, this inspection is one of the few concrete levers you have to lower your bill.
By Jason Green · Roofing & Gutters · Published August 13, 2026 · Updated August 13, 2026 · 7 min read
What a wind mitigation inspection actually checks
A licensed inspector evaluates specific construction features tied to wind resistance: roof shape (hip roofs generally score better than gable roofs), roof deck attachment method, roof-to-wall connections (clips versus straps versus toe-nails), the roof covering's permit date and compliance with the Florida Building Code, secondary water barrier presence, and opening protection like impact windows or shutters. Each feature is documented on the state-standard Uniform Mitigation Verification Inspection Form (OIR-B1-1802).
The inspection is non-invasive, typically 30-60 minutes, and covers only the exterior and attic access points, not a full home inspection. It's separate from a four-point inspection, which insurers may also require for older homes.
What it costs and how often you need one
In the Orlando market, a wind mitigation inspection typically costs $75 to $150 when done as a standalone service, sometimes less when bundled with a four-point inspection. The form doesn't expire by law, but insurers may request an updated one after a roof replacement or major renovation, since some of the highest-value credits are tied to roof age and roof-to-wall connections that can change during a re-roof.
Getting a new inspection immediately after any roof replacement is worth the cost, since it captures upgraded connections and roof covering compliance that can meaningfully change your discount.
Which features carry the biggest discounts
Roof-to-wall connections generally carry the largest weight in the discount calculation; homes with clips or a single wrap strap typically score much better than those with only toe-nail connections, common in homes built before the mid-1990s Central Florida building code updates. Roof shape also matters significantly: a hip roof (sloping on all four sides), common on many Winter Garden and Lake Nona homes, generally scores better than the gable roofs found on many older College Park and Conway bungalows.
Opening protection, storm shutters or impact-rated windows and doors, adds additional credit and is increasingly common on newer construction in Lake Nona and Horizon West but rarer on older housing stock in the historic core neighborhoods.
How much can you actually save
Savings vary widely by insurer, home age, and coverage level, and Florida law prohibits stating guaranteed discount percentages since each carrier files its own credit schedule with the Office of Insurance Regulation. What's consistent is that for many older Orlando homes with toe-nail connections and gable roofs, upgrading to clips or straps during a re-roof and documenting it can shift the home into a meaningfully better discount tier. Ask your insurance agent to run the numbers with your current inspection form before assuming a re-roof will or won't pay off.
Timing the inspection around a roof replacement
If you're already planning a roof replacement, schedule the wind mitigation inspection after the new roof passes final inspection with Orange County or the City of Orlando, not before, so the documented roof age and connection type reflect the new work. Submit the completed form directly to your insurance agent; some carriers apply the credit at your next renewal rather than immediately.
Typical cost ranges
| Standalone wind mitigation inspection | $75 - $150 |
| Wind mitigation + four-point inspection bundle | $150 - $250 |
| Roof-to-wall clip retrofit (per connection, if accessible) | $15 - $40 |
| Storm shutter installation (per opening) | $150 - $450 |
| Impact window upgrade (per window) | $700 - $1,500 |
Ranges are general estimates gathered from homeowner-reported quotes, not an offer or a quote for your project.
Common questions
How long is a wind mitigation inspection form valid?
There's no state-mandated expiration, but insurers often want an updated form after a roof replacement or major renovation to reflect new construction features.
Does a wind mitigation inspection guarantee a discount?
No. It documents features that qualify for credits, but each insurer sets its own discount schedule filed with the Florida Office of Insurance Regulation, so savings vary by carrier.
Is a wind mitigation inspection the same as a four-point inspection?
No. A four-point inspection covers roof, electrical, plumbing, and HVAC condition for underwriting purposes, while wind mitigation specifically documents storm-resistant construction features.
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