Wind mitigation inspection in Miami, on the OIR-B1-1802
A wind mitigation inspection in Miami documents the features that help your home stand up to hurricanes, like roof straps, impact windows, and shutters, on the state form insurers use to apply wind credits. Our Florida-licensed inspector checks each item, photographs it, and completes the form for you.
Call or text for a fast quote. Open 7 days, 8 AM–7 PM.
What a wind mitigation inspection documents
Florida requires insurers to offer credits for features that help a home resist wind damage. The inspection doesn’t judge your home. It records what’s there so your insurer can apply the credits you qualify for. The form covers:
Building code
When the home was built or permitted, and which building code it was built under.
Roof covering
The type of roof covering and whether it meets the code and permit requirements the form asks about.
Roof deck attachment
How the roof sheathing is fastened to the framing: nail size and spacing, verified from the attic.
Roof-to-wall attachment
How the roof structure is tied to the walls: toe nails, clips, single wraps, or double wraps.
Roof geometry
Whether the roof is a hip roof, which handles wind better than a gable roof.
Secondary water resistance
Whether there’s a sealed layer under the roof covering that keeps water out if shingles or tiles blow off.
Opening protection
Impact-rated windows and doors or approved shutters on every opening, including the garage door.
Wind mitigation in Miami-Dade and Broward
Miami-Dade and Broward fall in Florida’s High-Velocity Hurricane Zone, the strictest part of the Florida Building Code. Homes here often have features that earn credits, like impact windows, hurricane straps, and secondary water barriers. A wind mitigation inspection in Miami makes sure every one of them is documented and photographed.
Impact windows and shutters sold here usually carry a Miami-Dade Notice of Acceptance (NOA) number. If you have the paperwork, have it ready. It helps confirm that your openings are rated.
When to get a wind mitigation inspection
- You’re buying a home and shopping for insurance quotes
- Your policy is renewing and you don’t have a current form on file
- You replaced the roof, or added impact windows, doors, or shutters
- Your insurer requested one, often alongside a 4-point inspection
Wind mitigation questions
How long is a wind mitigation inspection valid?
The form is generally accepted for up to five years, as long as nothing it documents changes. If you replace the roof or add impact windows or shutters, get a new inspection so the new features are counted.
Will a wind mitigation inspection lower my insurance?
It can, but it isn’t guaranteed. The report documents the features your home has. Your insurer decides which credits apply and how much they’re worth.
What should I have ready?
Anything that shows when the roof was replaced, plus permits, receipts, or product approval numbers for impact windows, doors, and shutters. Paperwork can help us document features we can’t fully verify by looking.
Do I need one if my home is new?
Newer homes built to current code often qualify for strong credits, so it’s usually worth documenting them. Ask your insurance agent whether they already have a current form on file.
Make sure every wind credit is on file. Call or text us.
Tell us the address, the type of inspection, and when you need it. We answer 7 days a week, 8 AM–7 PM, in English or Spanish.
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