Florida Statute 626.0629 requires insurance companies to offer significant premium discounts for homes that meet specific wind resistance standards. A wind mitigation inspection Florida homeowners can request is the certified evaluation that unlocks these savings. At Studio A Engineering, our wind mitigation inspection Florida services are performed by Paul Edwards Pineda, PE (FL PE #61808).
Our wind mitigation inspection Florida report follows the official OIR-B1-1802 form required by all insurance carriers. A single wind mitigation inspection Florida homeowners receive from us can reduce annual insurance premiums by 20–45%. We also provide structural engineering services, milestone inspections, and threshold inspections.
The 6 Key Areas of a Wind Mitigation Inspection Florida
1. Roof Condition & Covering
We verify the age and permit information of your roof covering to ensure it meets current Florida Building Code standards, which is the first step toward qualifying for discounts.
2. Roof-to-Wall Connection
This is a crucial credit. We inspect your attic to determine how securely your roof trusses are attached to the walls, looking for hurricane clips, single wraps, or double wraps.
3. Roof Geometry
The shape of your roof plays a major role in how it performs in a hurricane. We measure and verify if you have a hip roof, which typically qualifies for a significant insurance discount.
4. Roof Deck Attachment
We inspect the type and nailing pattern of your roof deck sheathing. A stronger attachment, such as thicker sheathing with closely spaced nails, earns a valuable credit.
5. Secondary Water Resistance (SWR)
This sealed underlayment provides a critical secondary barrier against water intrusion if your roof covering is damaged. We verify if this protective layer is present.
6. Opening Protection
This is the most significant credit. We inspect every door and window to verify if they are protected with rated hurricane shutters or impact-resistant glass, ensuring your entire building envelope is secure.
Stop Overpaying for Insurance. Get a Wind Mitigation Inspection Today
Why Every Florida Homeowner Needs a Wind Mitigation Inspection
Florida homeowners pay some of the highest property insurance rates in the nation. A wind mitigation inspection Florida residents can schedule with a licensed engineer is the single most effective way to reduce those premiums. The inspection evaluates six critical areas of your home — roof covering, roof-to-wall connections, roof geometry, roof deck attachment, secondary water resistance, and opening protection.
Each qualifying feature documented in your wind mitigation inspection Florida report translates directly to insurance premium credits. Most homeowners save between $500 and $2,500 annually after a wind mitigation inspection. The inspection takes approximately 30-45 minutes and the report is valid for 5 years. Studio A Engineering serves homeowners across all South Florida counties.
