Wind Mitigation Inspection in South Florida — Done by a Licensed General Contractor
Save Up to 45% on Your Homeowners Insurance Premium. One Inspection. Big Results.
Schedule Your Inspection — (954) 533-0707 | Request a Callback
If your Florida homeowners insurance premium feels too high, a wind mitigation inspection could be the fastest way to bring it down — significantly. Florida law requires insurance companies to give discounts to homeowners whose properties are built or fortified to resist hurricane-force winds. A certified wind mitigation inspection documents exactly that.
At Renegade Roofing Co., our inspections are performed by William Roberts — a State Certified General Contractor (GC #CGC1514572) with 20+ years of South Florida roofing experience. You’re not getting a third-party inspector who’s never touched a roof. You’re getting the roofer himself, licensed to inspect it.
What Is a Wind Mitigation Inspection in Florida?
A wind mitigation inspection is an official evaluation of your home’s ability to withstand high-wind events — hurricanes, tropical storms, and severe weather. In Florida, the results are documented on the OIR-B1-1802 form, which you submit to your homeowners insurance carrier.
Based on what the inspection finds, your insurer is legally required to give you discounts — sometimes substantial ones — for features like:
- Hurricane-rated roof coverings
- Secure roof deck attachment (ring-shank nails vs. staples)
- Roof-to-wall connections (clips, single wraps, double wraps, structural)
- Opening protection (hurricane shutters or impact windows)
- Roof shape (hip roofs receive the largest discounts)
The inspection itself typically takes 45–60 minutes. The savings can last for years.
How Much Can a Wind Mitigation Inspection Save You?
Florida law mandates that insurance companies offer premium discounts when a wind mitigation report documents qualifying features. The discounts vary by insurer, but here’s what South Florida homeowners typically see:
Hip roof shape — Up to 32% | Reinforced roof deck attachment — Up to 30% | Secondary water resistance layer — 5–10% | Hurricane-rated roof covering (FBC compliant) — 5–25% | Roof-to-wall connections — double wrap or structural — 10–30% | Impact windows / shutters on all openings — Up to 45%
Many homeowners see total premium reductions of $500–$2,000+ per year. The inspection pays for itself many times over.
Why Have Your Wind Mitigation Inspection Done by a Licensed General Contractor?
Most wind mitigation inspectors are home inspectors or third-party services that charge $75–$150 for a quick walkthrough. They check boxes, fill out the OIR-B1-1802, and leave.
William Roberts is different. As a State Certified General Contractor with 20+ years of hands-on South Florida roofing, he doesn’t just document what’s there — he understands what it means, what it’s worth to your insurance carrier, and what improvements could unlock additional discounts.
What that means for you:
- Accurate documentation — a contractor knows exactly how to classify roof deck attachment, roof-to-wall connections, and covering types in ways that maximize your qualifying discounts
- Honest roof assessment — if your roof has issues that would affect your coverage, you’ll know about them upfront
- One call, two services — if your roof needs work, you already have a trusted licensed contractor on site. No referrals, no second opinions, no runaround.
This is a service almost no roofing contractor in South Florida can offer. We can.
“Wait — isn’t that a conflict of interest?”
Fair question. We’re a roofing contractor who also performs wind mitigation inspections. Some people wonder if that means we’ll find problems to drum up work.
Here’s the reality: a wind mitigation inspection documents features that help you — what your roof has that qualifies for insurance discounts. We’re looking for good things, not problems. The OIR-B1-1802 form is factual: either your roof has ring-shank nails or it doesn’t. Either it’s a hip roof or it isn’t. There’s nothing to inflate.
If we find roof issues during the inspection, we’ll tell you — honestly, like we always do. We won’t pressure you into anything. We’ve been in business for 20+ years because we shoot straight with people, not because we manufacture work.
You can hire a clipboard service that’s never been on a roof. Or you can hire a licensed general contractor who’s inspected thousands of them. We think you already know which one gives you a better result.
This inspection is signed by the license holder. Not a qualifier. The actual owner.
A lot of roofing companies in South Florida operate by leasing someone else’s license — a licensed contractor gets paid a fee to “qualify” a business they have no real involvement in. The company collects your money, does your job, and hands you a 10-year warranty backed by… someone who may not be around in three years.
William Roberts holds his own State Certified General Contractor license (GC #CGC1514572) and his own Roofing Contractor license (Roofing #CCC1328895). He is the owner, the operator, and the person signing your wind mitigation inspection. He’s been doing this in South Florida for over 20 years — not because he rents a credential, but because he built a company around his own name and stands behind everything that comes out of it.
That matters when you’re getting an inspection that goes in your insurance file. It matters even more when you’re counting on a warranty three, five, or eight years from now.
What We Evaluate During Your Wind Mitigation Inspection
Our inspection follows the Florida OIR-B1-1802 form, the official standard used by all Florida insurance carriers. We evaluate and document:
Roof Covering
Type, age, and compliance with Florida Building Code. FBC-compliant coverings can qualify for significant discounts.
Roof Deck Attachment
How your roof deck is fastened to the structure below. Ring-shank nails earn larger discounts than smooth nails or staples. We access the attic to verify nail type, pattern, and spacing.
Roof-to-Wall Connection
How the roof structure connects to your walls. Clips, single wraps, double wraps, and structural connections each carry different discount levels — and structural connections earn the maximum.
Secondary Water Resistance (SWR)
Whether a secondary barrier (self-adhered underlayment) was installed beneath the roofing material. Required for newer construction; common on recent re-roofs.
Roof Geometry
Hip, gable, flat, or other. Hip roofs earn the largest wind resistance discount. If you have a gable with reinforced bracing, we document that too.
Opening Protection
Hurricane shutters, impact glass, or other FBC-approved protection. If all openings are protected, you may qualify for the maximum opening protection discount.
Serving All of Broward and Palm Beach County
We perform wind mitigation inspections throughout South Florida, including:
Deerfield Beach · Fort Lauderdale · Boca Raton · Pompano Beach · Delray Beach · West Palm Beach · Coral Springs · Lighthouse Point · Coconut Creek · Margate · Parkland · Weston · Pembroke Pines · Miramar · Hollywood · Hallandale Beach · Sunrise · Plantation · Lauderhill
If you’re in Broward or Palm Beach County, we come to you.
What to Expect From Your Inspection
Step 1 — Schedule
Call us at (954) 533-0707 or submit a callback request. We’ll confirm a date and time within 24 hours.
Step 2 — The Inspection
We arrive on time, inspect the exterior and attic, take all required photos, and complete the OIR-B1-1802 form. Most inspections take 45–60 minutes.
Step 3 — Your Report
You receive a completed, signed OIR-B1-1802 form — ready to submit to your insurance carrier. We walk you through the findings and explain exactly what discounts to request.
Step 4 — Optional Next Steps
If the inspection reveals roof deficiencies — or if improvements could unlock larger discounts — we’ll give you an honest assessment and a free roofing estimate with no pressure.
Frequently Asked Questions About Wind Mitigation Inspections in Florida
Who is qualified to perform a wind mitigation inspection in Florida?
In Florida, wind mitigation inspections must be performed by a licensed professional — including licensed general contractors, building inspectors, engineers, architects, or home inspectors with the right credentials. At Renegade Roofing Co., our inspections are performed by William Roberts, State Certified General Contractor (GC #CGC1514572).
How much does a wind mitigation inspection cost in South Florida?
Our wind mitigation inspections are competitively priced for Broward and Palm Beach County homeowners. Call (954) 533-0707 for current pricing. The inspection typically pays for itself many times over through annual insurance savings.
How much can I save on my homeowners insurance with a wind mitigation report?
Savings vary by insurer and by what features your home has. South Florida homeowners commonly see premium reductions of $500–$2,000+ per year. Homes with hip roofs, reinforced roof deck attachment, and impact windows/shutters see the largest discounts — sometimes 40–45% off their wind premium.
How long is a Florida wind mitigation report valid?
A Florida wind mitigation report is valid for 5 years. After that, your insurance carrier may request a new inspection. If you’ve had significant roofing work done in the meantime, a new report may also unlock additional discounts.
Do I need a wind mitigation inspection if I just got a new roof?
Yes — and now is the best time to get one. A new roof installed to current Florida Building Code is likely to qualify for maximum discounts on roof covering, deck attachment, and secondary water resistance. Many homeowners don’t realize their new roof entitles them to significant insurance savings until they get the inspection done.
What is the OIR-B1-1802 form?
The OIR-B1-1802 is the official Florida wind mitigation verification form required by all Florida insurance carriers. It documents the specific wind-resistant features of your home’s roof and structure. Completing and submitting this form to your insurer is what triggers your premium discounts.
Can a wind mitigation inspection hurt my insurance?
No. A wind mitigation inspection can only help you — it either confirms your existing discounts or reveals new ones. It cannot be used to raise your rates. If the inspection reveals roof issues, that information is yours — it’s a documentation of qualifying features, not a damage report.
What’s the difference between a wind mitigation inspection and a 4-point inspection?
A wind mitigation inspection evaluates your home’s wind resistance features to qualify for insurance discounts. A 4-point inspection evaluates the four major systems (roof, electrical, plumbing, HVAC) and is typically required for older homes when applying for or renewing insurance. We offer both. Many homeowners benefit from scheduling both at the same time.
Schedule Your Wind Mitigation Inspection Today
Don’t overpay for homeowners insurance when your roof might already qualify for significant discounts. Let a licensed South Florida general contractor inspect it right.
(954) 533-0707 Licensed & Insured · GC #CGC1514572 · Roofing #CCC1328895 Serving Broward and Palm Beach County
Request a Callback | Get a Free Roofing Estimate
