Wind Mitigation Inspection in Florida:
Protect Your
Condo
HOA
and Save on Insurance
FPAT helps board members and property managers fight back with windstorm mitigation inspections that slash insurance premiums.
You’re at Risk — Here’s Why
Facing rising insurance premiums and intense Florida storms? As a certified wind mitigation inspector with over a decade of experience in condo and HOA assessments, FPAT delivers expert wind mitigation inspections to help board members and property managers slash costs while enhancing property resilience. Our inspections verify wind-resistant features per the Florida Building Code, potentially saving you up to 55% on premiums. Focused on Florida’s unique hurricane risks, we serve major cities like Miami, Tampa, Orlando, and Jacksonville.
- No Inspection? You're already paying the price.
- Don't Wait for Disaster Protect your community now.
Our Simple 3-Step Wind Mitigation Process
Request a Consultation:
Contact us to discuss your needs in Miami, Tampa, or statewide.
Get a Detailed Inspection:
Our certified inspectors assess and document features.
Secure Your Savings:
Receive your OIR-B1-1802 report to submit to insurers.
What is a Wind Mitigation Inspection?
A Wind mitigation inspection, also known as a windstorm mitigation inspection, is a specialized assessment of your property’s ability to withstand high winds from hurricanes or severe storms. Unlike a standard home inspection, it concentrates solely on wind-resistant features, using the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) mandated by Florida’s Office of Insurance Regulation. This report helps insurance companies evaluate risk, often resulting in significant discounts.
For Florida condos and HOAs, this inspection is essential amid the state’s insurance crisis. It documents features that reduce damage, ensuring compliance with HB 913 and aiding long-term financial planning—closely tied to our expertise in Reserve Studies.
Key Features Inspected in a Wind Mitigation Inspection
During the inspection, we evaluate seven key areas based on Florida standards. Here's what we check:
Wind Mitigation Inspection Cost and Savings in Florida
Costs range from $75 to $200, often paying for itself in the first year via insurance savings. Inspections take 30–60 minutes and are valid for 5 years.
Savings can reach 55% or more on wind premiums, equating to hundreds annually for condos/HOAs. For example, adding hurricane straps or impact windows boosts discounts. Check with providers like Citizens Property Insurance for estimates.
We verify if your condo or HOA meets the Florida Building Code for the year built (e.g., post-2002 homes often qualify automatically for credits).
Documentation like permits is reviewed to confirm updates.
Materials such as asphalt shingles, metal, or concrete tiles are assessed for wind resistance ratings (e.g., 150 mph or higher).
Age matters—newer roofs built to code yield bigger savings.
We inspect nail size (e.g., 8d nails), spacing (6 inches on center), and materials securing the deck to trusses.
Strong attachments prevent roof lift-off in winds up to 150 mph.
Connections like hurricane clips, single/double wraps, or toe nails are documented—double wraps offer the strongest protection.
Access to the attic is required for accurate assessment.
Hip roofs (sloping on all sides) are ideal for wind deflection; gable or flat roofs may need bracing.
We measure and photograph for verification.
A sealed roof deck or underlayment barrier prevents water intrusion if shingles fail.
This feature is vital for Florida's rainy hurricanes.
Windows, doors, skylights, and garage doors are checked for impact-rated glass or shutters (e.g., accordion, roll-down).
All openings must be protected for maximum credits.
How Wind Mitigation Ties to Reserve Studies
Wind mitigation inspections identify risks that impact long-term repair costs, directly supporting FPAT’s Reserve Studies. By mitigating now, you reduce future HOA assessments—learn more in our Reserve Studies services.
Frequently Asked Questions About Wind Mitigation Inspections
As a Florida condo board member or property manager, you’re navigating the challenges of hurricane risks and rising insurance costs. A wind mitigation inspection can be a game-changer, helping you save on premiums and ensure your property is storm-ready. Below, we answer common questions about wind mitigation inspections to help you make informed decisions with confidence. Have more questions? Contact us for a free consultation
Money Where it Matters
Imagine lower insurance costs, a storm-ready property, and peace of mind for your community. FPAT’s comprehensive reports—featuring clear photos and expert descriptions—help you qualify for discounts on key features like roof straps, FBC-compliant shingles, and protected openings. The result? Real savings you can reinvest in what matters—like lobby upgrades, fresh paint, and property enhancements your community will notice
Overwhelmed to in Control
- Before: Stressed about storms and spiraling insurance costs.
- After: Confident with a secure condo and savings in your pocket.
Ready to Slash Your Premiums? Let’s Do This.
866-568-7853
Florida Condo Success Stories
Expert services tailored to Florida’s unique property regulations helping you stay compliant, protected, and prepared.
Download Your Free Florida Insurance Appraisal Checklist
- Prepare Before the Next Storm
Serving The Entire State Of Florida
Commercial Services
- Insurance Appraisal and/or Wind Mitigation
- Roof Condition Assessment
- Reserve Study
Residential Services
- Wind Mitigation
- Roof Condition Assessment
Report Updates
- Request Update of Existing Report
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