Wind Mitigation Inspections in Florida

Florida Native Home Inspections, LLC

Living in Florida means enjoying sunshine, coastal breezes, and beautiful weather—but it also means preparing for hurricanes and high-wind events. A Wind Mitigation Inspection is one of the smartest steps Florida homeowners can take to both protect their property and potentially lower their homeowners insurance premiums.



At Florida Native Home Inspections, LLC, we provide professional wind mitigation inspections for homeowners across the Treasure Coast and Palm Beaches. Our certified inspectors evaluate how well your home is built to withstand strong winds and document features that may qualify you for valuable insurance discounts.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection evaluates specific construction features of a home that reduce wind damage during hurricanes and severe storms. Insurance companies use this information to determine whether your home qualifies for premium discounts based on its wind-resistant features.

Unlike a full home inspection, a wind mitigation inspection focuses only on components that affect wind performance and storm resistance. The inspection results are documented using the Florida Uniform Wind Mitigation Verification Form, which is accepted by insurance carriers throughout the state.

Why Wind Mitigation Inspections Matter in Florida

Florida homes are exposed to some of the strongest wind forces in the country. Properly designed construction features can significantly reduce the risk of roof failure and structural damage during storms.

A wind mitigation inspection can help you:

• Qualify for lower homeowners insurance premiums
• Verify storm-resistant construction features
• Provide documentation required by insurance carriers
• Better understand your home’s hurricane readiness
• Increase confidence when buying or selling a property

Many homeowners are surprised to learn that their homes already include qualifying features, even older properties may still be eligible for discounts.

What We Inspect During a Wind Mitigation Inspection

Our inspectors perform a detailed evaluation of key wind-resistant components in accordance with Florida standards. This includes both visual inspection and photographic documentation.

Roof Covering

We identify the type of roof covering installed on your home, such as asphalt shingles, tile, or metal. The roof covering material and installation date can impact eligibility for insurance credits.

Roof Shape

The shape of your roof plays a major role in wind resistance. Hip roofs, for example, generally perform better in high winds than gable roofs and may qualify for larger insurance discounts.

We determine whether your roof is classified as:



• Hip
• Gable
• Flat
• Combination roof types

Roof-to-Wall Connections

Roof-to-wall connections help keep the roof securely attached to the structure during high winds. These connections are critical in preventing roof uplift and catastrophic failure.

We inspect for connection types such as:

• Toe nails
• Clips
• Single wraps
• Double wraps

Stronger connection methods often result in greater insurance savings.

Roof Deck Attachment

This portion of the inspection evaluates how the roof deck is attached to the roof framing. We assess nail size, spacing, and installation patterns when visible from the attic.



Improved attachment methods can significantly enhance wind resistance and may qualify for additional credits.

Secondary Water Resistance (SWR)

Secondary Water Resistance refers to materials installed beneath the roof covering that help prevent water intrusion if the roof is damaged during a storm.

Examples include:

• Self-adhering underlayment
• Sealed roof decks

Homes with verified secondary water resistance may qualify for additional insurance discounts.

Opening Protection

We evaluate whether your home has impact-resistant windows, doors, or hurricane protection systems, such as shutters or panels.

Opening protection helps prevent wind-driven debris from entering the home and pressurizing the interior, which can lead to roof failure.

How Wind Mitigation Can Lower Insurance Costs

Wind mitigation inspections are one of the few inspections that can pay for themselves through insurance savings. Depending on your home’s features, discounts can range from modest reductions to substantial annual savings.

Insurance providers rely on our documentation to verify:

• Construction details
• Storm protection features
• Compliance with Florida building standards

Even newer homes benefit from updated inspections, as insurers often require current documentation to apply discounts.

Wind Mitigation for Buyers and Sellers

Home Buyers

If you’re purchasing a home in Florida, a wind mitigation inspection helps you:



• Understand future insurance costs
• Verify storm-resistant features
• Budget more accurately after closing

Home Sellers

Providing a recent wind mitigation report can:



• Increase buyer confidence
• Help buyers estimate insurance savings
• Strengthen your property’s value

Why Choose Florida Native Home Inspections, LLC?

When it comes to wind mitigation inspections, experience and attention to detail matter. Our inspectors combine InterNACHI training, Florida-specific knowledge, and hands-on construction experience to deliver accurate, insurance-ready reports.

What Sets Us Apart:

• Certified Professional Inspectors
• Extensive knowledge of Florida building practices
• Clear, insurance-compliant documentation
• High-quality photo evidence
• Fast turnaround times
• Honest, easy-to-understand explanations

We treat your home as if it were our own, and we take the stress out of the inspection process.

What You’ll Receive After the Inspection

After your wind mitigation inspection, you’ll receive:

• A completed Florida Uniform Wind Mitigation Verification Form
• Clear photos documenting each qualifying feature
• A detailed explanation of findings
• Documentation ready for submission to your insurance provider

If improvements could help you qualify for additional discounts, we’ll explain those options clearly so you can decide what makes sense for your home.

How Often Is a Wind Mitigation Inspection Needed?

Most insurance companies accept wind mitigation reports for up to five years, though requirements vary by carrier. Homes that have had roof replacements, window upgrades, or structural improvements should consider a new inspection to capture updated features.

Frequently Asked Questions