A wind mitigation inspection documents your roof's ability to withstand hurricane-force winds. Florida law requires insurance companies to offer premium discounts for homes with qualifying wind-resistant features. Polk County homeowners save an average of $500–$2,000+ per year on their insurance premiums with a favorable wind mitigation report. American Roofing FL performs wind mitigation inspections and completes the OIR-B1-1802 form that your insurance company needs.
Many homeowners don't realize their roof already qualifies for significant discounts — especially if it was built or replaced after 2002 when Florida's building code was strengthened. We inspect, document, and deliver the completed form so you can send it directly to your insurer.
OIR-B1-1802 form · Insurance savings · 30–45 minute inspection
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What We Inspect
The OIR-B1-1802 form evaluates specific construction features that determine how well your roof resists hurricane-force winds. These three factors carry the most weight for insurance discounts.
We verify whether your roof covering meets Florida Building Code (FBC) equivalency standards. Shingles, tiles, and metal panels installed after 2002 typically qualify. We document the attachment method — nails vs. screws, spacing patterns, and whether the product is rated for high-velocity hurricane zones. FBC-equivalent coverings unlock one of the first discount tiers on the form.
This is the single biggest discount factor on the wind mitigation form. We inspect the attic to determine how your roof trusses or rafters attach to the walls — toe nails, clips, single wraps, or double wraps. Double wraps provide the largest insurance discount because they resist uplift forces on all sides of the truss. Upgrading from toe nails to clips or wraps can save hundreds per year.
We evaluate the plywood or OSB sheathing thickness, nail size, and nail spacing pattern. The form distinguishes between standard (6"/12") and enhanced (6"/6") nailing schedules. Homes with thicker decking and tighter nail patterns receive better ratings because the deck is less likely to detach in high winds — a critical factor in preventing catastrophic roof failure during hurricanes.
Additional Features
Beyond the core three, the OIR-B1-1802 form evaluates four additional features that can significantly increase your insurance discount.
Hip roofs — where all sides slope downward — perform significantly better in high winds than gable roofs. A hip roof shape deflects wind from every direction, reducing uplift pressure. If your roof is 100% hip, you qualify for a larger discount. We measure and document the roof geometry with photos.
Secondary water resistance (SWR) means a sealed roof deck barrier exists beneath the roof covering. If your shingles or tiles blow off, the SWR prevents water from entering the home. This is verified by the original permit or a re-roof affidavit. SWR is one of the most valuable discount factors on the form.
Impact-rated windows, doors, and garage doors — or approved hurricane shutters — protect against windborne debris. The form requires that all openings be protected to qualify for the full opening protection discount. We document every window, door, and garage door opening and verify impact ratings or shutter compliance.
Homes built or re-roofed after 2002 — when the Florida Building Code took full effect — generally qualify for the best wind mitigation discounts. The strengthened code mandated better roof-to-wall connections, improved deck attachment, and wind-rated materials. We verify the permit year and applicable building code for your property.
How It Works
The wind mitigation inspection process is straightforward. We handle the technical work so you get the savings.
Call us or fill out the form above. We come to your property at a time that works for you. The inspection itself usually takes 30–45 minutes. We inspect the roof exterior, attic space, and all openings. No preparation is needed on your part — just make sure we can access the attic.
We photograph every feature — roof covering, roof-to-wall connections, deck attachment, geometry, SWR, and opening protection — and complete the official Florida wind mitigation verification form (OIR-B1-1802). This is the exact form your insurance company requires to apply discounts to your policy.
We deliver the completed OIR-B1-1802 form with all supporting photos. You send it to your insurance agent or company. The discounts typically apply at your next policy renewal. Most homeowners see the premium reduction reflected within one billing cycle after submission.
Questions
Common questions about wind mitigation inspections. Call (863) 360-6804 for answers.
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