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Windstorm Mitigation Inspection


What is a Wind Mitigation Inspection?

Wind mitigation inspections report on the wind resistance features of a home, building or structure.  They were developed to save home owners money on their home insurance by crediting them on the features of the home that decrease the amount of damage that may occur during a hurricane or strong windstorm. 

The reports and wind premium discounts are based on the inspection of these 7 features:

  1. Florida Building Code  (up to an 86% discount)
  2. Roof Covering  (up to an 11% discount)
  3. Roof Deck Attachment  (up to a 9% discount)
  4. Roof to Wall Attachment  (up to a 35% discount)
  5. Roof Shape  (up to a 47% discount)
  6. Secondary Water Resistance (SWR)
  7. Opening Protection  (up to a 44% discount)

 *Discounts may vary based on your insurance policy.  Your agent is best prepared to assist you in determining your eligibility for mitigation credits and discounts.

A Wind Mitigation Inspection can help you protect your home from damage caused by severe weather, and save you money on your home insurance.  A Florida mandate requires insurance companies to reduce rates for homes that have specific wind mitigation features that make them better equipped to withstand storms.  Having a wind mitigation inspection on your home can help you reduce the costs of your insurance premium.  Your wind mitigation report will be certified for 5 years after the inspection.

Helpful Tips on Applying for Insurance Discounts
Who is eligible for this discount?

Single-family homes and multi-family dwellings may be eligible for the credits and discounts.  Mitigation premium discounts are based off of nine different credit points that can only be determined by a certified wind mitigation inspector.  Contact your insurance agent or local HomeTeam Inspection Service for more information.

How do I take advantage of the insurance discounts?
Call HomeTeam to schedule a certified inspector to perform a wind mitigation inspection on your home.  We will inspect, photograph and report the key features of the home that decrease the amount of damage that may occur during a hurricane or strong windstorm.  

After the inspection, you will receive a report that verifies all of the wind resistant features that will provide insurance credits for your home.  Submit this report to your insurance company, who will then give you an estimation of your premium savings.  Savings are based on the likeliness of your home incurring costly repairs if faced with a wind storm or hurricane.


All services may not be offered or available in all locations.  Please contact your local HomeTeam Inspection Service for a complete listing of their services.  In addition, some or all of the services performed may be rendered by third party providers.  Such third party providers are independent contractors and not employees, agents, partners or representatives of HomeTeam.  HomeTeam does not warranty or disclaim representations made by third party providers.

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