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Identify hurricane-resistant features and qualify your property for Florida insurance discounts of 10–45% — free with every full home inspection.
State-Approved Wind Mitigation · South Florida
Florida has one of the most expensive homeowner's insurance markets in the country — and a wind mitigation inspection is one of the few direct ways to lower your annual premium. Florida law requires insurance companies to offer premium discounts based on documented hurricane-resistant features of your home. A TruView wind mitigation inspection uses the state-required OIR-B1-1802 form to document exactly which features your home has — and your insurer uses that report to calculate your discount.
The potential savings are significant. Homes with hip roofs, reinforced roof deck attachment, roof-to-wall clips or straps, secondary water resistance barriers, and impact-rated windows and doors qualify for the largest discounts — often reducing annual premiums by $500 to $2,000 or more. The inspection typically pays for itself within the first month of your new premium.
TruView includes a wind mitigation inspection free with every full home inspection — so buyers in South Florida receive this report at no additional cost. Standalone wind mitigation inspections are available for homeowners who already own their property and want to reduce their existing premium. Wind mitigation reports are valid for 5 years in Florida.
State-Approved OIR-B1-1802 Report
A complete evaluation of your home's hurricane-resistant features — accepted by all Florida insurance carriers.
OIR-B1-1802 Evaluation Points
Florida's state-required wind mitigation form evaluates nine specific features. Each feature that qualifies contributes to your insurance discount.
Transparent Pricing
The wind mitigation inspection pays for itself the first month it lowers your premium. Free when combined with a full home inspection.
Wind mitigation reports are valid for 5 years. If you have upgraded your roof, windows, or doors since your last inspection, a new report could significantly increase your discount.
Florida Insurance Market Expertise
Florida sits in one of the most hurricane-active regions in the world. Wind mitigation isn't a nice-to-have — it's a direct financial tool for every Florida homeowner.
Homeowner's insurance in Florida has become significantly more expensive — with many carriers exiting the market entirely and others dramatically raising rates. Wind mitigation discounts are one of the most reliable ways to control premium costs. South Florida homeowners with qualifying features often see reductions of $500–$2,000+ per year, making the $125–$200 inspection fee one of the best investments available.
Florida is divided into wind speed zones based on geographic location. Coastal South Florida — Miami-Dade, Broward, and Palm Beach — falls in the highest-risk zones with 150–170 mph design wind speeds. These zones also offer the largest potential insurance discounts for hurricane-resistant features. Central Florida has lower design wind speeds but still benefits from wind mitigation inspections.
Florida law (F.S. 627.0629) requires all insurance carriers to offer premium discounts based on the OIR-B1-1802 wind mitigation form. The form must be completed by a licensed building contractor, architect, engineer, or home inspector. TruView is licensed to complete the OIR-B1-1802 form, and our reports are accepted by Citizens Insurance and all private Florida carriers.
If you have installed impact windows or doors, replaced your roof, or added hurricane shutters since your last wind mitigation inspection, a new inspection could significantly increase your discount — even before your current report expires. Many homeowners who upgraded their opening protection have seen their annual premium drop by hundreds of dollars after a re-inspection.
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Simple Process
Schedule online or call your regional office. If you're also getting a home inspection, the wind mitigation is included at no extra charge — just book your full inspection.
Your TruView inspector evaluates all nine OIR-B1-1802 form attributes — roof shape, covering, deck attachment, roof-to-wall connections, opening protection, and secondary water resistance.
Your completed OIR-B1-1802 form with HD photos is emailed the same day. The report is formatted exactly as Florida carriers require — ready to submit immediately.
Forward your TruView wind mitigation report to your insurance agent. They submit it to your carrier, and your premium is adjusted — often retroactively from the report date.
Comprehensive Coverage
Combine services in a single visit for maximum value and convenience.
Required by Florida insurers for homes 25+ years old. Covers the four systems carriers care most about: roof, HVAC, electrical, and plumbing. Free with every full home inspection.
Learn More →Drone-assisted detailed roof assessment covering condition rating, and wind mitigation attributes — pairs naturally with your wind mitigation form documentation.
Learn More →Book a full home inspection and the wind mitigation report is included free — along with the 4-point inspection and all the extras that TruView includes at no additional charge.
Learn More →"TruView completed the wind mitigation as part of my home inspection. I submitted the report to Citizens and my annual premium dropped by $1,400. The inspection was free with the home inspection — this is absolutely the best value in the business."
"I had impact windows installed last year and called TruView for a wind mitigation update. My previous report showed basic opening protection. The new report qualified my home for enhanced protection discounts — saved me $780 a year going forward."
"Fast, professional, and the report was in my inbox before I made it home from work. My insurance agent said it was the most complete wind mitigation form he's seen — with photos of every single qualifying feature. Highly recommend TruView."
Common Questions
A wind mitigation inspection documents the hurricane-resistant features of your home using the state-required OIR-B1-1802 form. Florida insurance carriers use this report to calculate discounts on your homeowner's insurance premium. TruView includes this inspection free with every full home inspection.
Wind mitigation discounts in Florida can range from 10% to 45% or more depending on your home's hurricane-resistant features. Homes with hip roofs, impact windows, reinforced roof deck attachment, and secondary water resistance barriers typically see the largest discounts — often $500–$2,000+ per year.
A wind mitigation inspection is free when combined with a TruView full home inspection. Standalone wind mitigation inspections range from $125 to $200 for residential properties. The wind mit + 4-Point bundle runs $200 to $300 and is what most Florida carriers require for new or renewal policies.
Florida wind mitigation reports are valid for 5 years. If you have made improvements to your home — impact windows, roof upgrade, hurricane shutters — you may benefit from a new inspection even before your current report expires.
Any Florida homeowner with homeowner's insurance can benefit from a wind mitigation inspection — it is not limited to older homes. Even newer homes built to current Florida Building Code often qualify for significant discounts based on roof shape, deck attachment, and opening protection.
The OIR-B1-1802 form evaluates: roof shape, roof covering, roof deck attachment (nail size and pattern), roof-to-wall connections (clips, straps, anchors), opening protection (impact windows/doors, shutters), and secondary water resistance (self-adhering underlayment).
Yes. The OIR-B1-1802 form is the state-approved wind mitigation report required by all Florida insurance carriers. A report completed by TruView is accepted by Citizens Insurance, private Florida carriers, and all standard homeowner's insurance companies operating in Florida.
Yes. TruView provides wind mitigation inspections throughout Central Florida — Orange, Osceola, and Seminole counties. Central Florida has different wind speed zones than South Florida's coastal areas, and our inspectors are trained on the distinctions. Call (407) 613-2700 for the Central Florida office.
TruView provides wind mitigation inspections in all five regions with dedicated regional inspectors familiar with local building codes and insurance requirements.
Serving South Florida & Beyond
TruView performs certified wind mitigation inspections across South Florida and Central Florida — same team, same standards, same-day reports in every city.