Wind mitigation
Lock in insurance savings the day your new roof passes inspection
A full roof replacement is the single best opportunity to capture wind mitigation credits that reduce your homeowners insurance premium. The My Safe Florida Home program reports average annual savings of around $932 per year for homes that receive wind mitigation upgrades. The window to get maximum credit is right after installation, before the next renewal cycle.
What the inspection covers
Every Florida wind mitigation inspection produces a completed OIR-B1-1802 form, the Florida Uniform Mitigation Verification Inspection Form from the Office of Insurance Regulation. Insurers are required to apply premium credits based on these evaluated categories: building code, region and design windspeed, roof slope, roof cover type, roof deck attachment, roof-to-wall connection strength, roof geometry, secondary water resistance, and opening protection. OIR-B1-1802 form via floir.gov
A new replacement roof directly improves at least three of those categories: code compliance, cover type, and deck attachment. If we are also upgrading your roof-to-wall connections as part of the project (common on homes built pre-2002), you may score across all four structural categories.
The 5-year inspection window
A wind mitigation inspection on a new roof is valid for 5 years before renewal. Citizens Property Insurance confirms the 5-year validity on their policyholder FAQ. Citizens Insurance wind mitigation FAQ Schedule the inspection immediately after your permit closes so you can submit to your insurer at the next renewal, or mid-term if your carrier allows mid-term endorsements.
How we handle it
We coordinate with a licensed wind mitigation inspector on every replacement project. Once the job passes final inspection and the permit is closed out, the inspector comes to document deck attachment and cover type while the installation details are fresh. You receive the completed OIR-B1-1802 form to submit directly to your insurer. No second scheduling call, no delays, no missing the renewal window.