By Ronnie Elliott, Owner & Licensed Roofing Contractor, Alron Construction — Published 2025-09-15 · Wind Mitigation · 8 min read
A wind mitigation inspection evaluates your roof's ability to withstand hurricane-force winds. According to the Florida Office of Insurance Regulation, Florida law requires insurers to offer premium discounts of 10% to 45% for qualifying wind-resistant features like hip roofs, secondary water barriers, and hurricane straps.
A wind mitigation inspection is an assessment of your home's ability to withstand hurricane-force winds. The inspection documents specific features of your roof and home construction that reduce the risk of wind damage, and the results are submitted to your insurance company to qualify for premium discounts.
Florida law requires insurance companies to offer discounts for homes with documented wind mitigation features. These discounts can be substantial — in some cases reducing your annual premium by 20 to 40 percent or more.
The inspection follows a standardized form developed by the Florida Department of Financial Services. Key items include: roof covering type and installation method, roof deck attachment (how the plywood is fastened to the rafters), roof-to-wall connection type (toe nails, clips, single wraps, double wraps, or structural connections), roof shape (hip roofs perform better than gable roofs in high winds), and opening protection (hurricane shutters or impact-resistant windows and doors).
Each of these features is rated on a scale, and the combination of ratings determines the discount you qualify for. A home with a hip roof, double-wrap hurricane straps, and a properly installed high-wind-rated roof covering can qualify for the maximum discount.
The savings vary significantly based on your home's features, your insurance company, and your current premium. However, Florida homeowners commonly see annual savings of $200 to $1,000 or more from wind mitigation discounts.
The inspection itself typically costs $75 to $150 and is valid for five years. Given the potential annual savings, the inspection often pays for itself many times over.
If your current inspection shows areas where your home does not qualify for maximum discounts, there are improvements that can increase your rating. Upgrading to a high-wind-rated roofing system, improving roof deck attachment, and adding hurricane straps are common improvements.
Alron Construction provides wind mitigation inspections and can recommend specific improvements that will maximize your insurance discounts while strengthening your home's hurricane resistance.
A wind mitigation inspection typically costs $75 to $150 in Florida. The inspection is valid for five years and can save hundreds of dollars per year on insurance premiums.
Wind mitigation inspections must be performed by a licensed contractor, building inspector, or engineer. Alron Construction is a licensed contractor that provides wind mitigation inspections throughout Central Florida.
A wind mitigation inspection is valid for five years in Florida, or until you make changes to your roof or other inspected features.
In most cases, yes. A new roof installed with high-wind-rated materials and proper fastening patterns typically qualifies for better wind mitigation credits than an older roof.
Alron Construction, LLC: Licensed Florida Roofing Contractor (CCC1328819) and Certified General Contractor (CGC1515789). Office: 300 N Cocoa Blvd, Cocoa, FL 32922. Call (321) 639-0911 for a free, photo-documented roof inspection. Serving Brevard, Volusia, Seminole, Orange, and Osceola counties since 2008. A+ BBB rated, 244+ verified Google reviews, veteran-owned (SDVOSB).
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