{"id":3903,"date":"2026-10-23T01:49:57","date_gmt":"2026-10-23T01:49:57","guid":{"rendered":"https:\/\/aspsuperhome.com\/guides\/tile-roofing-south-florida\/wind-mitigation-inspection-tile-roof-discount\/"},"modified":"2026-11-04T00:57:52","modified_gmt":"2026-11-04T00:57:52","slug":"wind-mitigation-inspection-tile-roof-discount","status":"publish","type":"page","link":"https:\/\/aspsuperhome.com\/guides\/tile-roofing-south-florida\/wind-mitigation-inspection-tile-roof-discount\/","title":{"rendered":"Roofing Services for South Florida Homes | ASP Superhome"},"content":{"rendered":"\n
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Roofing for South Florida homes<\/p>

Roofing Built for South Florida Homes<\/h1>

From roof repair to full replacement in metal or tile, ASP Superhome helps homeowners in Miami, Fort Lauderdale, West Palm Beach, Kendall, Naples, Fort Myers and Boca Raton protect what matters most.<\/p>

Book your free estimate<\/a><\/div>
Book your free estimate<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n

By Jonathan Rodriguez \u00b7 Published October 22, 2026<\/p>\n\n

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Tile Roof Wind Mitigation Inspection Discount, Florida<\/h2>\n

A wind mitigation inspection can support a premium discount on a tile roof in Florida. The inspection records how your home is built to resist wind. Your insurer then decides what credit, if any, that record earns.<\/p>\n\n

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If your tile roof is near renewal and you're weighing repairs or upgrades before an inspection, reach out and we'll talk through your options. Talk it through with our team — the first consultation is free, confidential, and carries no obligation.<\/p>

Get a free consultation<\/a><\/div>
Get a free consultation<\/a><\/div><\/div>\n<\/div>\n\n
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What a wind mitigation inspection measures<\/h2>\n

A wind mitigation inspection is a recorded review of how a home is built to withstand wind. It uses the Uniform Mitigation Verification Inspection Form, designated OIR-B1-1802 by a Florida Administrative Code rule<\/a>.<\/p>\n

The form records several features of the home: the roofing material, how the roof deck is attached, the connections between the roof and walls, the roof shape, the secondary water barrier, and the protection of openings. Florida’s building law names several of these same features as ways to reduce windstorm damage, in Fla. Stat. \u00a7 553.844<\/a>.<\/p>\n

The form is a record of what the inspector observes. It checks how parts are attached, not only how the roof looks. It is not a repair plan, and it is not a premium quote.<\/p>\n

How Florida law connects the inspection to your premium<\/h2>\n

Florida law requires residential rate filings to include discounts for homes with features that reduce windstorm loss. Under Fla. Stat. \u00a7 627.0629<\/a>, those discounts must be actuarially reasonable.<\/p>\n

Each insurer files its own rating rules. That means two companies can give different credits for the same form.<\/p>\n

So the discount comes from the insurer’s filed rules. It does not come from the inspector or from this page. Under Fla. Stat. \u00a7 627.711<\/a>, your insurer must tell you about available discount ranges when the policy is issued and at each renewal. Read that notice for the details that apply to your policy.<\/p>\n

How a tile roof is evaluated during the inspection<\/h2>\n

The inspector checks how a tile roof is fastened to the home’s structure. Roof deck attachment and roof-to-wall connections are the structural details that matter most. Tiles alone do not tell the whole story.<\/p>\n

Under Fla. Stat. \u00a7 553.844<\/a>, criteria for secondary water barriers may cover the composition of all elements of the roof system. The law says those criteria may not be limited to one method or material. For a tile roof, the underlayment beneath the tiles is part of that review.<\/p>\n

Loose or missing tiles and worn underlayment are conditions a careful inspector records as they are found on the visit date. The Tile Roofing Industry Alliance<\/a> publishes installation guides on proper tile-roof installation and high-wind practices in Florida. Those guides show what a properly installed system should look like.<\/p>\n

Upgrades that can affect the inspection results<\/h2>\n

Impact-rated windows and doors affect the opening protection the form records. Florida law lists window, door, and skylight strength among the features that can earn windstorm credits, under Fla. Stat. \u00a7 627.0629<\/a>.<\/p>\n

Impact products must be approved before they are sold as protection. Under Fla. Stat. \u00a7 553.842<\/a>, a product may not be marketed as impact protection from wind-borne debris unless it is approved. Approval categories include windows, exterior doors, roofing, and impact protective systems. Ask for the approval papers before you buy.<\/p>\n

Roof replacement has its own rule. Under Fla. Stat. \u00a7 553.844<\/a>, for existing structures that the new-construction building code does not otherwise cover, connecting the roof to the walls is not required unless the work at gable ends or all corners can be completed for 15 percent of the reroofing cost.<\/p>\n

Do not expect them to change the inspection record.<\/p>\n

Questions to ask before you schedule the inspection<\/h2>\n

Ask a few specific questions before the visit. The answers help make the record match your actual roof.<\/p>\n