Florida Wind Mitigation Inspections: Why Your Roof Is on the Form

A wind mitigation inspection (OIR-B1-1802 or the current equivalent) is how Florida insurers discount a house that is built or retrofitted to take wind. The roof is half the form.

What they look at: roof covering type and age, roof deck attachment (how the sheathing is nailed), roof-to-wall connections (clips, single wraps, double wraps), roof geometry (hip roofs rate better than gable), and secondary water resistance.

A new architectural-shingle roof with documented fastening, plus a hip design, is one of the cleaner ways to improve the form. Retrofitting clips on an existing roof is a different job — it usually means lifting fascia or working from the attic, and it is not something we sneak in “while we’re up there” without talking about it.

If you are replacing the roof anyway, tell us you care about the wind-mit form. Fastening pattern, deck nails, and photos of the connections while the roof is open are cheap to capture and expensive to reconstruct later.

We are not the inspector who signs the 1802 — that’s a licensed inspector, often a wind-mit specialist or home inspector. We build the roof so the inspector has something true to report.