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.

FPAT

5.0

Based on 32 reviews

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Jennifer Stanley

17:09 02 Dec 25

Great company to work with on Reserve Studies and wind mitigation. Responsive and fair price.

Response from the owner 19:16 02 Dec 25

Thank you so much for the wonderful 5-star review! 🌟We’re truly grateful you chose FPAT for your Florida condo reserve study and wind mitigation inspection. It’s always a win when clients tell us we were responsive, easy to work with, and delivered fair, transparent pricing—exactly what every board member and property manager deserves when tackling insurance requirements and Florida’s tough building laws.Your feedback means the world to our team, and we’re here anytime you need an updated reserve study, SIRS report, or another wind mitigation report to keep premiums low and compliance locked in.Thanks again for trusting Florida’s condo reserve study experts!— The FPAT Team

Jan Gable

14:37 25 Nov 25

I can’t say enough good things about my experience with FPAT. Scott was our on-site person and, not only was he knowledgeable, but super easy to work with and collaborative. Maddy, in their office, was great as well. I highly recommend them.

Response from the owner 19:20 02 Dec 25

Thank you for this incredible 5-star review—we’re absolutely thrilled to hear it! 🌟Scott and Maddy are rock stars on our team, and we love that you felt their knowledge, collaboration, and genuine care every step of the way. That’s exactly the kind of stress-free, partnership experience we want every Florida condo board and property manager to have when getting their reserve study or SIRS report done right—and on time.Your recommendation means the world to us, and we’re here whenever you need an update, a new Structural Integrity Reserve Study, or help with insurance deadlines.Thank you again for trusting FPAT—Florida’s local condo reserve study experts!— The FPAT Team(Proudly serving condo associations & HOAs across Florida with fast, accurate, and hassle-free reserve studies)

Ian Land

15:57 24 Nov 25

We did a reserve study and it was completed in very quickly due to the HOA's request and was a more than fair price. Will be using them again for reserve studies going forward.

Response from the owner 19:21 02 Dec 25

We love hearing that we could turn your Florida HOA reserve study around lightning-fast to meet your tight deadline, all while keeping pricing fair and transparent. That’s the FPAT promise: fast, accurate reserve studies and SIRS reports without the usual headaches or sticker shock—so you can get back to running your community with total confidence.

Robbie Anderson

17:34 18 Nov 25

Thorough, thoughtful and very detailed. An awesome report for funding and planning.

Response from the owner 16:05 19 Nov 25

Thank you for your fantastic review! We're delighted our thorough, thoughtful, and detailed report was an excellent tool for your funding and planning.Florida condo boards and property managers often deal with insurance demands, SIRS requirements, and hurricane risks, leading to concerns about compliance and costs. At FPAT, we provide expert reserve studies tailored to Florida's regulations and needs.

BePositive

14:06 18 Nov 25

Our condo association has worked with FPAT on a number of projects from our SIRS, wind mitigation and property evaluation. In all projects, we found FPAT to be very thorough in their analysis and reports, very professional and easy to work with. On this last point, they truly listen to your feedback and also challenge us, as the condo association, to ensure we are making the best informed decision. Kudos to FPAT and Eric Dixon, who we worked with diligently on our SIRS.

Response from the owner 16:01 19 Nov 25

Thank you for your wonderful review! We're thrilled to hear how our thorough analysis, professional approach, and collaborative style—truly listening to your feedback while challenging your condo association to make the best decisions—made a difference across your SIRS, wind mitigation, and property evaluation projects. Special thanks for the shoutout to Eric Dixon; his diligence on your SIRS is a perfect example of how we partner with Florida communities like yours.We know the overwhelm all too well: insurance bombshells demanding reserve studies, Florida's harsh weather risks like hurricanes, and strict laws such as Structural Integrity Reserve Studies (SIRS) for taller buildings. It leaves board members and property managers stressed about compliance, surprise costs, and resident safety—thinking, "This shouldn't be so hard." At FPAT, Florida's trusted local experts in reserve studies, we've guided countless HOAs through these hurdles with empathy and deep-rooted authority in the Sunshine State's regulations and challenges.

Leo Kessel

20:17 03 Nov 25

Very knowledgeable, professional and easy to work with in navigating all of the new legislative requirements.

Response from the owner 15:58 19 Nov 25

Thank you, Leo, for your kind words on November 3, 2025! We're glad our knowledgeable and professional team made navigating those new legislative requirements easier and more straightforward for you.We know how overwhelming it can feel when insurance demands and Florida's strict regulations—like Structural Integrity Reserve Studies (SIRS)—pile on the pressure, leaving condo boards and property managers stressed about compliance, surprise costs, and resident safety. At FPAT, Florida's trusted local experts in reserve studies, we've guided countless communities through these challenges, turning frustration into confidence with our deep understanding of hurricanes, HOAs, and state laws.As the go-to reserve study company in Miami, we're here for anyone searching "reserve study near me" in Miami.

Josh Collens

16:49 17 Oct 25

FPAT was outstanding putting together our Reserve Study. Devin was great and very knowledge on how to conduct the study. We are very pleased with the report.

Response from the owner 18:54 17 Oct 25

Thank you for your review! We're delighted that FPAT provided an exceptional reserve study tailored to your requirements. Devin is grateful for the recognition of his deep knowledge in performing the reserve study—comments like yours inspire us to uphold top-tier quality in all our reports. We truly value your confidence in us and are eager to support any upcoming reserve study revisions or additional needs. Feel free to get in touch anytime!1.3s

Woody Kazimierski

19:41 13 Oct 25

FPAT delivered a comprehensive traditional reserve fund and SIRS studies that were clear to understand and easy to follow with relevant maintenance projects. Both reports were done on time with minimal revisions that were promptly completed.

Response from the owner 17:48 15 Oct 25

We’re thrilled to hear about your positive experience with FPAT’s traditional reserve fund and Structural Integrity Reserve Study (SIRS) services! Our team is dedicated to delivering clear, comprehensive, and easy-to-follow reports tailored to meet the unique needs of Florida condo and HOA boards. We understand the stress of navigating insurance requirements and Florida’s strict regulations, so we’re proud to have provided you with timely reports and prompt revisions to ensure your peace of mind.At FPAT, we specialize in helping property managers and board members like you stay compliant and prepared for Florida’s challenges, from hurricanes to SIRS mandates. Your feedback highlights our commitment to excellence and reinforces why we’re Florida’s trusted experts in condo reserve studies.Ready to take the stress out of your next reserve study? Contact FPAT today for a tailored proposal or download our free guide, Understanding Florida’s Reserve Study Requirements, to stay ahead of compliance demands.

Kerry Wells

18:10 13 Oct 25

I have used FPAT for both reserve studies and insurance appraisals. Their staff is professional, responsive and knowledgeable. The reports they produce are comprehensive and easy to understand.

Response from the owner 17:50 15 Oct 25

We’re delighted to hear about your great experience with FPAT’s reserve studies and insurance appraisals! At FPAT, our professional and knowledgeable team is committed to delivering comprehensive, easy-to-understand reports that help Florida condo and HOA board members like you navigate complex requirements with confidence. We know how overwhelming insurance demands and Florida’s regulations can feel, and we’re here to make the process seamless and stress-free.Your trust in us for both reserve studies and insurance appraisals means the world. As Florida’s trusted experts, we’re dedicated to providing responsive service and tailored solutions to keep your community compliant and prepared for any challenge, from hurricanes to SIRS mandates.

Kristen Pileggi

19:15 03 Sep 25

I can not speak highly enough of Maddy! Working in the insurance industry - she is my GO TO with inspections. Super fast, kind, friendly, efficient .. I could go on and on! Whenever I am in need of an commercial wind mitigation inspection I reach out and she replies with the info I need quicker than I can even send the email. 10 Stars if I could!

Response from the owner 17:35 05 Sep 25

Thank you for the glowing review! We’re thrilled to hear about your fantastic experience with Maddy for your commercial wind mitigation inspection needs. At FPAT, we pride ourselves on delivering fast, friendly, and efficient service, and it’s wonderful to know Maddy exemplifies this as your go-to expert in the Reserve Study and insurance industry.Her quick response times and dedication to providing top-notch inspection services are what make FPAT Florida’s trusted choice for condo and HOA reserve studies, including wind mitigation inspections that meet Florida’s strict regulations. We’re here to ensure your property is compliant, safe, and ready for any challenge—without the stress.We truly appreciate your kind words and 10-star enthusiasm! For anyone reading this, contact FPAT today for your commercial wind mitigation inspection or reserve study needs, and experience the same reliable, professional service.

Lisa Cook

14:06 16 Apr 25

FPAT delivered on there commitments to get our HOA renewal insurance appraisal. They were professional and knowledgeable and kind and got it done early. Maddy was extremely helpful explaining what needed to be done and was so smart and nice, even re-explaining things as needed. Excellent communication and customer service.

Response from the owner 16:45 03 Sep 25

Thank you for your wonderful review! We’re thrilled to hear that Fpat.com exceeded your expectations with our professional and timely HOA Reserve Study and insurance appraisal services in Tampa. Our team, especially Maddy, takes pride in delivering clear, knowledgeable guidance to ensure your HOA meets all requirements, including Hb-913 compliance. At Fpat.com, we strive to be the top Reserve Study Company for HOAs and condos, offering expert Condo Reserve Study and SIRS assessments with excellent communication. Your kind words about our customer service mean the world! For anyone seeking a Reserve Study Near Me in Tampa, we’re here to help—contact us today or check our photo “sirs-tampa-florida-structural-inspection.jpg” to see our work in action. Thanks again for choosing Fpat.com!

Tim Copp

01:40 14 Apr 25

Eric Dixon has been a pleasure to deal with as part of our Association's reserve study. Patient, communicative, and helpful.

Response from the owner 16:46 03 Sep 25

Thank you for your fantastic review! We’re delighted to hear that Eric Dixon provided exceptional service during your Association’s Hoa Reserve Study in Orlando. At Fpat.com, our Reserve Study Company is committed to delivering patient, communicative, and helpful support, ensuring your HOA meets Hb-913 and SIRS requirements with ease. Whether you need a Condo Reserve Study or a comprehensive Reserve Study Near Me, our team is here to guide you. Check out our photo “reserve-study-company-orlando-professional-services.jpg” to see our process in action! Your kind words inspire us—contact Fpat.com for expert reserve study services in Orlando or beyond. Thanks for choosing us!

Cindy Patrick

20:26 17 Feb 25

I have been working with FPAT for over a decade. They are very timely and responsive to email. The insurance carries know the integrity this company holds, I have heard them say it. It's when an underwriter see's Felton's name, they don't question the document at all. That is how much trust they have in Felton Professionals.

Response from the owner 17:36 05 Sep 25

We’re deeply honored by your decade-long partnership and heartfelt review! At FPAT, we strive to deliver timely, responsive, and trustworthy service, and it’s incredibly rewarding to hear that our integrity shines through in the eyes of insurance carriers and underwriters. Knowing that Felton Professionals’ name carries such weight in the industry—especially for condo and HOA reserve studies, including Structural Integrity Reserve Studies (SIRS)—fuels our commitment to excellence.

Wendy

18:16 11 Feb 25

Madeline is AMAZING . thank you for all you do

Response from the owner 17:37 05 Sep 25

We’re thrilled to hear your enthusiasm for Madeline’s amazing work! At FPAT, we’re passionate about delivering exceptional service, and Madeline’s dedication to helping Florida condo boards and property managers with reserve studies and commercial wind mitigation inspections truly shines. Thank you for recognizing her efforts to keep your community compliant, safe, and stress-free amidst Florida’s tough regulations and insurance demands.

Lora

17:57 07 Feb 25

Always a pleasure working with FPAT! The entire team is prompt, efficient and very knowledgeable. I will be continuing using their services for years to come!

Response from the owner 18:47 12 Sep 25

Thank you for your glowing review! We're thrilled to hear that our prompt, efficient, and knowledgeable team at FPAT has made your experience a pleasure. As Florida’s trusted experts in condo reserve studies, we’re committed to delivering top-notch service to keep your community compliant and prepared for anything—hurricanes, SIRS regulations, or insurance demands. We look forward to partnering with you for years to come! For anyone needing a reliable reserve study, contact FPAT today to ensure your property’s financial security and peace of mind.

Anastasia Coombs

16:00 05 Feb 25

Jacqueline D-W

15:57 31 Jan 25

FPAT is great! They provide excellent service and are extremely proficient in doing the wind mitigation inspections. I highly recommend!

Response from the owner 18:47 12 Sep 25

We’re delighted to hear that FPAT’s excellent service and expertise in wind mitigation inspections have earned your high recommendation. As Florida’s go-to experts for condo reserve studies and inspections, we’re dedicated to helping board members and property managers like you stay compliant and prepared for Florida’s storms and strict regulations. Ready to secure your property’s future? Contact FPAT today for a tailored wind mitigation or reserve study solution that brings peace of mind!

Jennifer Welton

01:26 30 Jan 25

Maddy at FPAT is always quick to respond and pleasant to work with. The other representatives I've interacted with have also been nice to work with.

Chuck Connell

21:26 29 Jan 25

I worked with Josh for an inspection today. He was professional and communicative, confirming our appointment time and contact numbers in the days prior. This was efficient, convenient and effective for my schedule.

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NEW FORM UPDATE: APRIL 1, 2026

The Florida Office of Insurance Regulation has updated the 1802 inspection form. Older inspections may no longer qualify for full A1 credits under 2026 underwriting rules.

Structural Hardening

We verify roof-to-wall connections, including the critical Clips vs. Wraps distinction, to ensure you receive maximum statutory credits.

Opening Protection

Our experts audit your building for the 100% Rule, ensuring every window, door, and garage meets Class A impact standards.

SWR Verification

Verification of Secondary Water Resistance (SWR) provides a baseline premium reduction by protecting the structure from water intrusion.

Why FPAT is Florida's Top Choice

Unlike "volume-based" inspection companies, FPAT provides 100% in-house engineering and appraisal oversight. We ensure that your Windstorm Mitigation inspection isn't just a "checklist," but a strategic document designed to survive an underwriter's audit.

Request 2026 Mitigation Proposal

Insurance Appraisal & Valuation Accuracy

Florida Statute 718.111(11) mandates that every residential condominium association obtain an independent insurance appraisal at least once every 36 months.

The Risk of Underinsurance

In a volatile market where construction inflation peaked at $162/sq ft, an outdated appraisal leads to Co-Insurance Penalties. If a property is underinsured, the carrier may only pay a fraction of a claim, even for a partial loss.

Factor	Impact on Appraisal	FPAT Mitigation Strategy
Construction Inflation	Costs rose 50%+ in 5 years.	36-month updates using local Florida labor rates.
Code Changes	Modern codes increase rebuild costs.	Appraisals reflect “to-code” reconstruction.
Local Expertise	Coastal risks vary by region.	100% in-house experts; no subcontractors.

Wind Mitigation Inspection in Florida: Maximizing Premium Credits

A Wind Mitigation Inspection in Florida is a specialized assessment of a building’s ability to withstand hurricane-force winds. While Structural Integrity Reserve Studies (SIRS) and Milestone Inspections focus primarily on safety and statutory compliance, Wind Mitigation focuses on providing financial relief through significant insurance premium discounts.

What is a Florida Wind Mitigation Inspection?

Per Florida Statute 627.0629, insurance companies are required to offer discounts or credits for construction techniques that provenly reduce wind damage.

During the inspection, a certified professional uses the state-mandated form OIR-B1-1802 to evaluate key structural features. These findings are often cross-referenced during a Replacement Cost Valuation (RCV) to ensure the association’s policy accurately reflects the property's resilience and value.

*Note: Regular updates every 36 months are recommended to align with Florida Statute 718.111(11) requirements.

Wind Mitigation Inspection Diagram for Florida Buildings

Critical Evaluation Points:

Roof-to-Wall Connections: Strengthening the bond between the roof and walls (e.g., clips vs. wraps).
Roof Deck Attachment: Verifying nailing patterns and fastener types that prevent roof lift.
Opening Protection: Validating "A1" rated impact-resistant glass or shutters on all openings.

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.

Our Simple 3-Step Wind Mitigation Process

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.

How Wind Mitigation Ties to Reserve Studies

A Wind Mitigation Inspection does more than lower your immediate premiums; it identifies structural risks that directly impact long-term repair and replacement costs. These insights provide critical data that supports the accuracy of FPAT’s Reserve Studies.

By implementing mitigation features now—such as secondary water resistance or enhanced roof-to-wall attachments—you effectively extend the useful life of major components. This strategic approach helps reduce future HOA special assessments by lowering the projected "Replacement Cost" in your long-term budget.

Explore how structural resilience and financial planning work together in our specialized Reserve Study services.

SIRS reserve study Florida condo engineering team

Integrated Compliance

Aligning your Wind Mitigation data with a Structural Integrity Reserve Study (SIRS) ensures your association meets the mandatory funding requirements of HB 913 while maximizing budget efficiency.

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

What is a wind mitigation inspection?

A wind mitigation inspection is a visual examination of a property’s wind-resistant features, such as roof geometry, storm shutters, and impact-resistant windows, to assess its ability to withstand hurricane-force winds. In Florida, this inspection is key to qualifying for insurance premium discounts, as it demonstrates your property’s resilience to storms. Our team at FPAT conducts thorough inspections, ensuring compliance with Florida’s standards to maximize your savings and enhance safety.

How much does a wind mitigation inspection cost in Florida?

In Florida, a wind mitigation inspection typically costs between $75 and $200, depending on the property’s size and complexity. The good news? The insurance premium discounts you can secure often offset the cost within a short time, sometimes in just one policy renewal. FPAT offers competitive pricing and fast turnaround, delivering a detailed report to help you save money and stay compliant with insurance requirements.

Why get a wind mitigation inspection for my condo?

A wind mitigation inspection is essential for Florida condos and HOAs to reduce insurance premiums and improve storm preparedness. By identifying and documenting wind-resistant features, you can qualify for significant discounts, easing the financial burden of rising insurance costs. Plus, it ensures your property is better equipped to handle hurricanes, protecting residents and assets. FPAT’s expert inspections provide clear, actionable reports, empowering your board to make smart decisions for long-term resilience.

Ready to Slash Your Premiums? Let’s Do This.

FPAT’s windstorm mitigation inspections are unmatched—delivering reports for both your association and unit owners. Request a sample report to see the difference, or contact us today to get started.

866-568-7853

Florida Condo Success Stories

Expert services tailored to Florida’s unique property regulations helping you stay compliant, protected, and prepared.

I was so worried about our condo’s insurance costs skyrocketing after the 2025 hurricane season started. We needed a reliable windstorm mitigation inspection in Florida to lower our premiums. FPAT was incredible! Sarah M. here, president of our Fort Lauderdale condo board, and I can’t thank FPAT enough. They found features like our hurricane straps and hip roof, which saved us thousands on insurance. Their detailed report was accepted right away, unlike a previous one we had rejected. With Florida condo wind mitigation expertise like this, we’re now storm-ready and saving money!

Suzan F

Verified Review

Managing condos in Naples, I’ve seen how hurricanes can wreak havoc if you’re not prepared. Michael R. here, and I’m so glad we chose FPAT for our windstorm mitigation inspections in Florida. Their team identified FBC-compliant shingles and window protections we didn’t even know qualified for discounts. The report they provided helped us reduce condo insurance costs significantly, just in time for the June 2025 hurricane season. FPAT’s family-owned approach made it feel personal—they really care about hurricane mitigation for condos. I’d recommend them to any property manager!

Erin Martinez

Verified Review

Linda T., HOA treasurer in St. Petersburg, here. We were facing soaring premiums and needed a windstorm mitigation inspection in Florida fast. FPAT came through! They documented our roof deck nailing and secondary water resistance, which our last provider missed, and got us major insurance discounts. Their report was so detailed—color photos and all—that our insurer approved it immediately. With hurricane season in full swing (June 2025), our Florida condo wind mitigation is now solid, and we’re saving big. FPAT’s expertise is unmatched!

Tina Garica

Verified Review

Our Tampa HOA was at risk of non-compliance with Florida’s condo laws, especially after recent SIRS updates. We needed an insurance appraisal in Florida fast, and FPAT delivered beyond expectations. Their replacement cost valuation was thorough, with clear explanations of what we’re responsible for insuring—no overpaying for excluded items! They helped us navigate Florida condo compliance effortlessly, and with hurricane season underway (June 2025), we’re confident our coverage is solid. FPAT’s expertise in condo insurance appraisals saved us time and money. Amazing service!

Clay Hopkins

Verified Review

I had the pleasure of working with James Sheets. He was professional and knowledgeable and thoroughly explained every aspect of his report. I would highly recommend Felton Professional Adjustment.

Larry Cabrera

Verified Review

Serving The Entire State Of Florida

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Thank you for considering our company for your property inspection needs. We’re looking forward to hearing from you and about your inspection needs. Please use below links to get in touch with us.

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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.

NEW FORM UPDATE: APRIL 1, 2026

Structural Hardening

Opening Protection

SWR Verification

Why FPAT is Florida's Top Choice

Insurance Appraisal & Valuation Accuracy

The Risk of Underinsurance

Wind Mitigation Inspection in Florida: Maximizing Premium Credits

What is a Florida Wind Mitigation Inspection?

Critical Evaluation Points:

You’re at Risk — Here’s Why

Our Simple 3-Step Wind Mitigation Process

Request a Consultation:

Get a Detailed Inspection:

Secure Your Savings:

What is a Wind Mitigation Inspection?

How Wind Mitigation Ties to Reserve Studies

Integrated Compliance

Frequently Asked Questions About Wind Mitigation Inspections

Ready to Slash Your Premiums? Let’s Do This.

Florida Condo Success Stories

Suzan F

Verified Review

Erin Martinez

Verified Review

Tina Garica

Verified Review

Clay Hopkins

Verified Review

Larry Cabrera

Verified Review

Serving The Entire State Of Florida

Commercial Services

Residential Services

​Report Updates

We're Available To Have A Conversation

Wind Mitigation Inspection in Florida:
Protect Your Condo HOA and Save on Insurance

Report Updates