What is the Florida Wind Mitigation Credit program?

The Florida Wind Mitigation Credit is one of the most under-claimed savings opportunities in Tampa Bay homeownership. Under Florida insurance code, every admitted homeowner-insurance carrier in the state is required to apply premium discounts when a property has documented wind-resistant features. The discounts compound, and a typical Tampa or St. Pete single-family home can see annual premium reductions of 25 to 45 percent once the inspection is filed.

The credits are tied to specific construction features documented on the OIR-B1-1802 inspection form. Inspectors evaluate roof shape (hip roofs earn the largest credit), roof-deck attachment method, secondary water resistance under the shingles, roof-to-wall connections (clips, single wraps, double wraps, or structural attachment), and opening protection (impact-rated windows, doors, and garage doors, or code-rated shutters covering every glazed opening). Each category contributes its own line-item discount.

The form must be completed by a Florida-licensed wind mitigation inspector, typically a general contractor, building contractor, professional engineer, architect, or licensed home inspector with the wind-mitigation endorsement. The inspection generally costs 100 to 175 dollars and stays valid for five years with most carriers.

After any roof replacement, window upgrade, or garage-door replacement on a Tampa home, ordering a fresh wind mitigation inspection within 365 days of the work captures the new credits retroactively to the policy renewal. On a 4,000-dollar annual premium, that is often 1,200 to 1,800 dollars per year recovered, which can pay back the full cost of impact windows in under seven years on its own.

AskBaily flags wind-mitigation opportunities on every Tampa-area scope. When the work touches a roof, an opening, or a structural fastener path, we coordinate the inspection scheduling so the discount lands on your next renewal, not three years later when you finally remember.