Wind Mitigation Wind Inspection

Save on Your Windstorm Insurance Policy

Florida Windstorm Insurance rates may be substancially reduced by obtaining a Certified Wind Mitigation Wind Inspection. A wind mitigation inspection verifies construction methods are in place providing greater protection to your home or business from wind hurricane damage. The inspection usually takes less than an hour and the savings is usually in the form of a check direct from your insurance company within 3-6 weeks.

Request a windstorm inspectionAll of the following structure types qualify for Wind Mitigation Inspections:

  • Single Family Homes 
  • Multi-Family Buildings 
  • Commercial Buildings
  • Condominiums
  • Townhomes

Discounts Occur when Dwelling Structures have Elements that Minimize Damage from High Wind Events like Tropical Storms and Hurricanes. They include: 

  • Actual Roof Shape
  • Reinforced Roof Decking
  • Roof Shingle Attachment Method
  • Shutter Protection Over Your Windows 
  • Hurricane Straps and/or Hurricane Clips 
  • Full or Partial Impact Resistant Glazing on Windows 
  • Other Wind Resilient Construction Techniques... 

According to Florida Statute 627.0629, ALL insurance companies are required to offer Florida homeowners "discounts, credits, or other rate differentials..." for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims.  

How much will my Wind Mitigation Discount be?

Wind Mitigation discounts are applied towards the windstorm portion of your total insurance premium. Depending on where you are located in Florida, the windstorm portion is between 15% and 70% of the total premium. Premium determination is very complex and actual dollar discounts can not be calculated here. For exact quotes contact The Teller Group.

The three main factors for wind mitigation discounts include: 

  1. The number of wind resistive construction features present on your condo or home - The more wind resistive features you have, the higher the total discount will be for your property. The discounts can be as high as 30% or more of the wind portion of the insurance premium. 
  2. The location of your condo or home - Discounted wind insurance rates are adjusted according to where your property is located within the state. If your wind insurance rates are high, then the percentage discounts will be greater for a condo or house in a high rate area versus the same condo or house in a lower rate area. 
  3. The value of your condo or home - High value condos or homes have higher premiums. Therefore, the value of the discounts will increase with the value of the condo or home.

Will You Qualify For Wind Mitigation Discounts?

Wind mitigation discounts are justified because stronger, more wind-resistive houses have lower windstorm losses. Lower windstorm losses equal reduced costs to insurance companies that are then passed on to the consumer. Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing condo or home using the strongest options in the Florida Building Code. The discounted insurance rates in Florida apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). 

The Following Items are Building Features that Reduce Wind Damage. 

  • Shingles or other roof coverings that meet the Florida Building Code requirements
  • Roof decking that has been installed with larger nails or screws with closer spacing
  • Hurricane clips and/or straps that secure the roof structure to the supporting walls
  • Full or partial protection of windows and glass doors with impact resistant glazing or other protection methods. 
  • Secondary water resistance barrier that prevents the roof from leaking if the shingles are blown off in a windstorm 
  • Newer homes and condominiums built since the new code requiring these features have been enacted.

Who is qualified to do a Windstorm Mitigation inspection?

With the "My Safe Home" program discontinued by the State of Florida, wind mitigation inspections should only be conducted by Licensed Building Contractors or Architects Certified by the State of Florida. Buyer should beware of prices that are simply too cheap for a licensed professional to conduct. The "My Safe Home" program was terminated in August of 2008. 

  • A Florida licensed general, residential or building contractor
  • A licensed building inspector
  • A registered architect
  • An engineer in the State of Florida
  • A building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance).

For more information regarding windstorm inspections,
call (561) 404-1777 or email

Serving the Insurance needs of the following Florida Cities

Palm Beach County Insurance Company

Atlantis • Belle Glade • Boca Raton • Boynton Beach • Briny Breezes • Cloud Lake • Delray Beach • Glen Ridge • Golf Golfview • Greenacres • Gulf Stream • Haverhill • Highland Beach • Hypoluxo • Juno Beach • Jupiter • Jupiter Inlet Colony • Lake Clarke Shores • Lake Park • Lake Worth • Lantana • Manalapan • Mangonia Park • North Palm Beach • Ocean Ridge • Pahokee • Palm Beach • Palm Beach Gardens • Palm Beach Shores • Palm Springs • Riviera Beach • Royal Palm Beach • South Bay • South Palm Beach • Tequesta • Wellington • West Palm Beach

Broward County Insurance Company

Coconut Creek • Cooper City • Coral Springs • Dania Beach • Davie • Deerfield Beach • Fort Lauderdale • Hallandale Beach • Hillsboro Beach • Hollywood • Lauderdale Lakes • Lauderdale by the Sea • Lauderhill • Lazy Lake • Lighthouse Point • Margate • Miramar • North Lauderdale • Oakland Park • Parkland • Pembroke Park • Pembroke Pines • Plantation • Pompano Beach • Sea Ranch Lakes • Southwest Ranches • Sunrise • Tamarac • West Park • Weston • Wilton Manors