Wind Mitigation Inspection in Lake Nona, FL
Lake Nona homes — built under Florida's post-Andrew building code — were constructed with wind-resistant features that older Florida homes often lack. A wind mitigation inspection documents those features on the OIR-B1-1802 form and gives your Florida insurer what it needs to evaluate available premium credits. Many Lake Nona homeowners have never had this inspection done — and may be paying insurance premiums that don't reflect the wind resistance built into their homes.
What a wind mitigation inspection reviews
A wind mitigation inspection evaluates six areas of your home that Florida insurance carriers use to determine wind resistance. Each is documented on the OIR-B1-1802 form and submitted to your carrier with your insurance application or renewal.
Roof Covering
Type and age of roofing material — shingle, metal, tile, or other. Lake Nona homes were built with modern roofing materials that can qualify for wind-mitigation credits when documented.
Roof Shape
Hip, gable, flat, or combination. Many Lake Nona homes have hip roofs — four sloped sides — which are generally more wind-resistant and may qualify for insurance credits.
Roof Deck Attachment
Nail size, spacing, and pattern fastening the roof deck to the structure. Homes built under Florida's post-Andrew codes often have stronger deck attachment than older construction — the inspection documents what is present.
Roof-to-Wall Connections
How the roof framing attaches to the walls — toenails, clips, single wraps, double wraps, and structural anchors each carry different wind ratings. Post-Andrew construction in Lake Nona typically includes stronger connections than older Florida homes.
Opening Protection
Windows, exterior doors, skylights, and garage doors. Lake Nona homes frequently include impact-resistant glazing or rated shutters — features that can significantly affect your wind mitigation results.
Secondary Water Resistance
Whether a sealed barrier layer under the primary roof covering is present. Many Lake Nona homes were built with a sealed attic deck layer — documenting this can support meaningful insurance credits.
Why Lake Nona homeowners request wind mitigation inspections
Lake Nona homes were built under Florida's post-Andrew building codes — codes that require stronger construction than what was standard before 1994. That means many Lake Nona homes have hip roofs, hurricane straps, impact windows, and sealed roof decks that qualify for wind mitigation credits. But credits can only be applied when the OIR-B1-1802 report exists — and many Lake Nona homeowners have never had one done.
- Florida law requires insurers to offer premium credits when wind mitigation documentation supports them. Lake Nona homes — built under post-Andrew codes — often have features that qualify, but credits can only be applied when the OIR-B1-1802 report is on file with your insurer.
- Many Lake Nona homes have impact windows, hip roofs, and hurricane straps as standard features. If your insurer has never seen a wind mitigation report for your property, you may be paying premiums that don't account for those features.
- Wind mitigation reports for Lake Nona homes often yield meaningful premium credits — particularly for homes with fully enclosed hip roofs, SWR (secondary water resistance) peel-and-stick layers, and impact-rated openings.
- A wind mitigation inspection paired with a 4-point inspection in the same visit is practical for Lake Nona homeowners managing their annual insurance documentation.
- If you have never had a wind mitigation inspection and your home was built after 2000, scheduling one is one of the most financially straightforward steps you can take to reduce your annual insurance cost.
Cost and what to expect
Pricing depends on the home and inspection needs. Call (954) 899-3713 for current availability and a quick quote — no forms, no waiting.
The on-site inspection typically takes 45 minutes to 1.5 hours. Your OIR-B1-1802 report is formatted for insurer submission and delivered within 24 hours.
Wind Mitigation + 4-Point — schedule both in one visit
Many Lake Nona homeowners schedule their wind mitigation and 4-point inspections together in a single visit. A 4-point inspection in Lake Nona covers the four major home systems — roof, electrical, plumbing, and HVAC — and is sometimes required when switching Florida homeowners insurance carriers. Scheduling both inspections at once saves time and may reduce the combined cost. Ask about bundling when you call. Our Florida insurance inspection guide explains the difference between the inspection types.
Serving Lake Nona and Greater Orlando
We serve Lake Nona and surrounding Greater Orlando communities for wind mitigation inspections. Need service somewhere not listed? Call us — we may be able to accommodate.
Lake Nona is located in southeast Orange County. Coverage extends to Laureate Park, Randal Park, Kissimmee, St. Cloud, and surrounding communities. See our Lake Nona service area page and Greater Orlando overview.
Common questions about wind mitigation inspections in Lake Nona
What is a wind mitigation inspection?
Do Lake Nona homes qualify for wind mitigation credits?
What does a wind mitigation inspection look for?
Is wind mitigation the same as a 4-point inspection?
How long does a wind mitigation inspection take?
How do I schedule a wind mitigation inspection in Lake Nona?
Ready to schedule your inspection?
Call or fill out the online form — we respond quickly and offer same-week availability. Reports delivered within 24 hours.