Wind Mitigation Inspection

Wind Mitigation Inspection in Miami-Dade County

Miami-Dade County sits entirely within Florida's High Velocity Hurricane Zone — where wind-resistant construction features can earn you significant insurance premium discounts under Florida law. Our wind mitigation inspection documents your property's hurricane protection features on the OIR-B1-1802 form Citizens Insurance and Florida carriers accept for applying those credits.

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Florida Licensed Florida-Licensed Home Inspector

Miami-Dade County Miami · Hialeah

Bilingual Service English & Spanish

Fast Reports Delivered Within 24 Hours

Florida-Licensed Home Inspector

What We Document

Wind Mitigation Features Evaluated in Miami-Dade

The Florida OIR-B1-1802 wind mitigation form is the standard document used by all Florida insurance carriers to calculate wind coverage credits. In Miami-Dade's HVHZ, several of these features are code-required — which means many newer homes qualify for substantial discounts.

Roof Covering Type

We document the specific roofing material — impact-rated tiles, coatings, or metal systems. Miami-Dade's HVHZ requires approved roofing products, and proper documentation can drive meaningful premium reductions.

Roof Deck Attachment

We assess how the roof decking is fastened to the structural framing — nail pattern, spacing, and penetration depth all factor into the wind resistance rating your insurer calculates.

Roof-to-Wall Connections

Hurricane straps or clips connecting the roof structure to exterior walls are among the most impactful wind mitigation credits. Miami-Dade HVHZ requires these in newer construction — we verify presence and type.

Opening Protection

All windows, doors, and skylights must have impact-rated glazing or approved shutters in HVHZ. We document opening protection type (impact glass, code-plus shutters, basic panels) — the single largest driver of wind premium discounts.

Roof Shape

Hip roofs (all sides sloped) perform better in wind events than gable roofs and earn a higher mitigation credit. We document roof geometry as part of the OIR form.

Why This Matters

HVHZ Discounts — How Miami-Dade Homeowners Save

Florida law requires insurance companies to offer wind mitigation credits to homeowners whose properties meet qualifying construction standards. In HVHZ-compliant Miami-Dade homes — particularly those built after 2002 with impact windows and hip roofs — documented wind mitigation features routinely reduce wind coverage premiums by 20–50%. The inspection pays for itself many times over.

Miami-Dade HVHZ code compliance often qualifies newer homes for maximum credits
Impact-rated windows and doors are among the highest-credit features on the OIR form
One inspection, one report — valid for up to 5 years with most carriers
Accepted by Citizens Insurance and all private carriers operating in South Florida
Bilingual reporting available — report and walkthrough in English or Spanish

Pricing

Wind Mitigation Inspection Pricing in Miami-Dade

Inspection Cost

Call for current pricing

Wind mitigation inspections are priced by property type and size. Most homeowners find the cost is recovered in insurance savings within the first renewal cycle. Call (954) 899-3713 for a quote.

Report Delivery

Within 24 Hours

The completed OIR-B1-1802 form is delivered within 24 hours — ready to submit directly to your insurance agent or Citizens Insurance.

Bundle & Save

Wind Mitigation + 4-Point — The Standard Miami-Dade Combo

Most Miami-Dade homeowners renewing Citizens coverage need both a 4-point inspection and a wind mitigation inspection. Scheduling both in a single visit saves time and reduces total cost. Call (954) 899-3713 and ask about our bundle pricing.

Cities Served

Wind Mitigation Inspections Across Miami-Dade County

We perform wind mitigation inspections throughout Miami-Dade County — serving homeowners in urban Miami, Hialeah, Coral Gables, and suburban communities across Kendall, Doral, and Homestead.

Miami Hialeah Coral Gables Doral Kendall

City-specific wind mitigation pages: Miami, Hialeah, Coral Gables, Doral, Kendall. See the Miami-Dade County hub for full county coverage.

FAQ

Wind Mitigation Inspection FAQ — Miami-Dade County

Does Miami-Dade HVHZ status automatically mean my home qualifies for discounts?

Not automatically — but it helps. HVHZ building codes have required impact-rated openings and stronger roof connections since 1994. Homes built or substantially renovated after that date often qualify for significant credits. Older homes may still qualify partially, depending on whether windows were upgraded or hurricane straps were added retroactively.

My home has hurricane shutters but not impact windows. Do I still get a credit?

Yes, but the credit amount depends on the shutter type. Code-plus storm panels and accordion shutters earn a higher credit than basic plywood. Impact-rated glazing (impact windows and doors) earns the highest opening-protection credit. We'll document exactly what you have and your agent can calculate the exact discount.

Can I get a wind mitigation inspection on a condo in Miami-Dade?

Individual condo units can be inspected for the interior opening protection (windows and sliding glass doors). Roof and structural attachment features typically belong to the building and may be covered by the condo association's master policy. Check with your HOA and insurance agent to confirm what documentation is needed for your unit.

How often do I need to renew my wind mitigation inspection?

Most Florida carriers accept wind mitigation reports for 3–5 years. Some carriers may accept them longer if no significant changes were made to the roof or openings. We recommend asking your agent before ordering a new inspection if you have a recent one on file.

Book Your Inspection

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.

Schedule Now (954) 899-3713