Wind Mitigation Inspections in Miami-Dade County, FL

Most Florida insurers require a wind mitigation inspection when you purchase a new policy or switch carriers in Miami-Dade County. The completed OIR-B1-1802 report gives your insurer the documentation needed to assess your home and apply any available discounts.

The inspection covers your roof covering, roof deck attachment, roof-to-wall connections, roof shape, secondary water resistance barrier, and all opening protections including windows, doors, and garage doors. Each item is documented with photos on the state-required form.

Yes, Florida law requires insurance carriers to offer discounts to homeowners with qualifying wind-resistant features documented in a certified report. Homes with hip roofs, metal straps or clips, and impact-rated openings typically qualify for the largest credits.

A wind mitigation report is valid for five years from the date of inspection. Miami-Dade homeowners who make improvements like adding impact windows or replacing a roof may benefit from a new inspection before the five years are up.

No, a wind mitigation report that shows fewer qualifying features will not increase your current premium. It simply means fewer credits apply, and you can make improvements and schedule a re-inspection to qualify for additional discounts.

Yes, wind mitigation inspections are available for individual condo units, townhomes, and single-family homes throughout Miami-Dade County. Condo unit owners and association properties can both use the completed report to request insurance credits.