Florida insurance
Wind mitigation inspection
In short
A wind mitigation inspection documents roof and construction features that resist hurricane wind. In Florida it can qualify a home for insurance premium credits.
A wind mitigation inspection records the features of a home that help it stand up to hurricane-force wind — roof shape, roof-to-wall connections, roof covering, and opening protection among them.
Florida insurers use the report to apply premium credits: a home with stronger wind-resistant features generally costs less to insure than one without. On an older home, ordering the inspection can meaningfully change the insurance quote.
It's distinct from the four-point inspection insurers may also require. Together they shape whether — and at what price — a Florida home can be covered.
Related
Current as of August 2026.