The report that can lower your homeowners premium every year you own the house. Florida insurers are required to credit qualifying wind-resistant features. We document what your home actually has on the state’s Uniform Mitigation Verification form and hand it to you signed.
Tell us where the property is and what you need. We’ll call to confirm the time.
Typical range $300–$1,000 depending on square footage. No obligation.
Booking across Lee, Collier and Charlotte counties.
(757) 240-9407Florida law requires insurers to give premium discounts for construction features that make a home more resistant to hurricane wind. The discounts are real and they recur every renewal, but they are not applied automatically — your carrier needs a completed wind mitigation form from a licensed inspector before they will apply anything.
How much you save depends entirely on what your home has. A 2004-or-later home with a hip roof, strapped trusses and impact-rated windows can qualify for substantial credits. A 1978 gable-roof home with toe-nailed trusses and no opening protection may qualify for very little, and the report will say so honestly.
Either way you learn exactly where your home stands, and the report is valid for five years under current Florida practice. If it turns out your home qualifies for nothing, that is worth knowing too — it tells you which upgrade would pay for itself fastest.
What the inspection actually documents.
Florida uses one standard form for every wind mitigation inspection, so your insurer reads the same seven categories regardless of who inspected. Here is what each one means.
| Category | What we document | Why it matters |
|---|---|---|
| Building code | Permit date, year built | Establishes which code your home was built to |
| Roof covering | Material, permit, FBC compliance | Whether the covering meets current product approval |
| Roof deck attachment | Nail size and spacing | How well the deck stays on in high wind |
| Roof-to-wall | Toe nail, clip, single or double wrap | Usually the single largest credit on the form |
| Roof geometry | Hip, gable or other | Hip roofs shed wind better and credit accordingly |
| Secondary water resistance | SWR present or not | Sealed deck limits water intrusion if covering fails |
| Opening protection | Rating of windows, doors, garage | Credit requires all openings protected, not most |
Roof-to-wall connection and opening protection are where most of the money is. Both usually require attic access or a visible sample to verify, which is why the inspection is not something that can be done from a photograph.
Start to finish.
We confirm the property, the year built and whether you also need a 4-point. If you are shopping carriers, tell us the deadline.
Exterior, roof and attic. Attic access matters here more than on any other inspection — roof-to-wall connections usually cannot be verified any other way, and that is the largest single credit on the form.
Every category on the form gets a supporting photograph. Carriers increasingly reject forms without them, and a rejected form means a re-inspection.
Usually within 24 hours. Signed, dated and ready to forward to your agent.
The savings come from your carrier, not from us. Send them the form and ask them to re-rate the policy.
It depends entirely on what your home has. Florida insurers are required to credit qualifying features, and on homes with hurricane clips or straps, a hip roof, a sealed deck or rated opening protection the credits can be substantial. On an older home with none of those, they may be small. We cannot know until we inspect, and anyone quoting you a savings figure before looking at the house is guessing.
Five years from the date of inspection under current Florida practice. Your carrier may ask for a new one sooner after a roof replacement or other significant change, so check with your agent if anything major has been done.
For the best result, yes. Roof-to-wall connections are usually the largest credit on the form and they generally have to be seen in the attic to be verified. No access means that section is reported as unknown, which typically means no credit for it.
Usually yes, and new homes often score well because modern Florida code requires many of the features the form credits. A newer home with no wind mitigation report on file is frequently paying more than it needs to.
Yes, and it costs less than booking them separately because it is one trip. If you are buying an older Florida home you will most likely need both.
Then the report says so, and that is still useful information. It tells you which upgrade — opening protection, a sealed deck at the next roof replacement — would return the most on the premium.
Fort Myers, Cape Coral, Naples, Bonita Springs, Estero, Port Charlotte, Punta Gorda, Lehigh Acres, North Fort Myers, Sanibel, Fort Myers Beach and Marco Island.
Call or send the form. Tell us the address and your deadline and we’ll confirm a time and an exact price.