A wind mitigation inspection documents your home’s storm-resistant features so your insurer can apply discounts. Here is exactly what an inspector checks, so you know what to expect on the day.
The seven things we document
- Building code year: homes built to newer Florida codes generally score better.
- Roof covering: the product, and whether it met code approval standards.
- Roof deck attachment: nail size and spacing, verified from the attic where accessible.
- Roof-to-wall connection: toe-nails, clips, single wraps or double wraps. This is a major credit factor.
- Roof shape: hip, gable or flat.
- Secondary water resistance: a sealed roof deck seam underlayment.
- Opening protection: impact glass, shutters, and garage door ratings.
How to prepare
Clear access to the attic hatch, unlock gates and electrical panels, and gather permits or window and shutter product approvals if you have them. Photos and documentation of upgrades speed up the process and can raise your credits.
Wind mitigation vs. 4-point
These are different reports. A 4-point inspection looks at the roof, electrical, plumbing and HVAC condition for insurability. The wind mitigation report only records storm-resistance features. Many older Central Florida homes need both.
Book with us
Schedule your inspection online or see our local coverage, for example Lakeland home inspections.
Put the report to work
Send the finished report to your agent at QRE Insurance to request updated quotes. Buying or selling? See Central Florida homes for sale, and ask our friends about Florida home buyer mortgage options that account for the true monthly cost.
A report that costs less than one month of premium can save hundreds each year.
What the report does not do
The wind mitigation form is not a pass or fail test and it does not evaluate overall condition. We are not looking for cosmetic flaws or predicting how a storm will affect your property. It simply records verified construction details. That is why it pairs well with a full home inspection, which covers the roof surface, structure, electrical, plumbing and more. Many Central Florida clients book both together, since access to the attic and roof is already arranged. If you have made upgrades since your last report, such as new shutters, a replaced roof or re-nailed decking, order a new one. Updated documentation can mean more credits, and the cost is usually small compared with the yearly savings.
The bottom line
Hurricane season may be winding down, but insurance renewals, closings and inspections happen all year in Central Florida. Gathering the right documents now, before a deadline forces your hand, gives you time to compare options and make calm decisions. Take an hour this week to find your current wind mitigation report, check its date, and decide whether an update makes sense. Small steps like this add up to real savings and fewer surprises for years to come.
Questions? Call us at 321-222-3116.