How Much Discount for Wind Mitigation in Florida?

How much discount for wind mitigation in Florida? There is no single amount. Florida law requires residential rate filings to include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for qualifying features (§ 627.0629(1), Florida Statutes).

If you opened a renewal notice and felt lost, you’re not alone. Many people end up handling this for a parent or relative who owns the home. This guide explains what the inspection records, which upgrades can affect the credit, and what to gather before your next renewal.

Our team at ASP Superhome works on impact windows, impact doors, and roofing for homeowners in Miami, Fort Lauderdale, West Palm Beach, and across South Florida. Those are the same features the inspection looks at.

Key takeaways

A wind mitigation discount is a credit on the wind portion of a Florida homeowners policy. It rewards features that help a home resist hurricane winds.

• The credit depends on features an inspector records on a state form.
• Each insurer applies the discount through its own rate filing, so the amount can vary by policy.
• Opening protection, roof covering, and roof-to-wall strength are among the features Florida law names as qualifying.
• Before renewal, gather the home’s age, roof details, and upgrade paperwork.

What is a wind mitigation inspection?

A wind mitigation inspection is a review of a home’s wind-resistant features, recorded on a standard state form. The form is the Uniform Mitigation Verification Inspection Form, labeled OIR-B1-1802. Florida’s mitigation form rule adopts it with the revision date Rev. 04/26.

Think of the inspection as a record, not a price. The inspector documents what is on the home. The insurer then uses that record to decide the credit.

What the form documents

The form records the features Florida law links to windstorm loss. Four groups matter most to homeowners.

• Roof covering and roof strength. The roof material and how well the roof resists wind both count. Florida law lists roof strength and roof covering performance as qualifying features.
• Roof-to-wall strength. The form records how the roof connects to the walls.
• Secondary water barriers. These are layers that protect the interior if the outer roof covering fails.
• Opening protection. This covers windows, doors, and skylights. Florida law lists opening protection and window, door, and skylight strength as qualifying features. This is the group that applies to impact windows and impact doors.

Roof-to-wall connections: why the attachment counts

Roof-to-wall connections are the fasteners and attachments that tie the roof to the walls. Florida law names roof-to-wall strength as a qualifying feature, so the inspector records it. Fla. Stat. § 627.0629

The roof and the walls work as one system in a storm. A roof that lifts off can take wall damage with it. That is why this detail sits on the form.

Roof replacement adds another layer. That is one reason roof replacement and mitigation often come up together.

Ask the inspector to explain each roof item they record. Knowing what was documented makes your next renewal notice easier to read.

So how much can wind mitigation actually save?

The savings depend on your insurer, your home’s features, and your policy. No single dollar amount or percentage fits every home.

The state’s discount forms set the base. Florida law requires residential rate filings to include actuarially reasonable mitigation discounts for properties on which windstorm-loss-reducing fixtures or construction techniques have been installed or implemented, and the state Office determines the discounts that reflect the full actuarial value of those features. They must be used without change unless detailed alternate studies, with all assumptions available to the Office for review, support a change. Fla. Admin. Code R. 69O-170.017

Under Fla. Admin. Code R. 69O-170.017, residential property insurance rates must provide discounts, or appropriate reductions in deductibles, for fixtures or construction techniques demonstrated to reduce windstorm loss, and those discounts must reflect the Office of Insurance Regulation’s windstorm mitigation discount forms.

Track the wind line on your own policy from one renewal to the next. Ask your agent to confirm any credit in writing.

Which upgrades can affect the credit?

Florida law (§ 627.0629) says the fixtures and techniques must include, but are not limited to, the items it lists.

Impact windows and impact doors fall under opening protection. Our team installs both, so this is the category most tied to our work.

Whether a given upgrade earns a credit depends on your insurer’s filing and what the inspector records. Ask the inspector which upgrades appear on your form and how each one was recorded.

Roofing work can matter too. Miami-Dade hurricane mitigation page

Florida wind mitigation form revision date

The uniform form carries the revision date Rev. 04/26, according to the state rule. Florida’s mitigation form rule

Fla. Stat. § 627.0629

When you get a copy of your form, look for the revision date. Then ask your agent whether your insurer uses the current version before renewal.

Preparing for your next renewal

Gather the home’s age, roof details, upgrade paperwork, and current wind premium before renewal. Having these ready makes the inspection and your questions easier.

• The year the home was built
• Roof age, covering type, and any roof repair or replacement invoices
• Permits and invoices for impact windows, impact doors, or other opening upgrades
• The wind line from your current policy and your latest renewal notice
• Any earlier mitigation inspection report

Keep your paperwork in one folder so you can answer questions quickly. Fla. Stat. § 627.711

Talk with our team about your home’s opening protection

If you’re handling a parent’s or relative’s renewal paperwork, you didn’t choose this job. It can feel like a lot to take on.

If you want to talk through impact windows or impact doors and the paperwork that supports opening protection, contact ASP Superhome. Our initial consultation is free, confidential, and comes with no obligation.