What Is A Wind Mitigation and Why You NEED It



State of Florida Building Code

In 2001 the State of Florida adopted the 2001 Florida Building code.  This code set forth more stringent requirements for the construction of a new home in order to withstand a hurricane. This new building code became effective on March 1, 2002 for any home that had a building permit issued after that date. Therefore, this is especially important for coastal cities such as Naples, Marco Island, Bonita Springs and Estero. Per the new laws, a Wind Mitigation Inspection performed by a licensed Inspector can save homeowners thousands off their insurance premiums.


Wind Mitigation For House Insurance

The State of Florida created the Uniform Wind Mitigation Inspection Form. A licensed inspector completes the Uniform Wind Mitigation Form while performing the Wind Mitigation Inspection. A wind mitigation inspection measures your home’s ability to withstand a hurricane. Consequently insurance companies will use your wind mitigation inspection to evaluate discounts applied to your insurance premium.

View a copy of the Florida Uniform Wind Mitigation Form

Wind Mitigation Form


A Wind Mitigation Inspection evaluates seven different components of your house.  The insurance companies use the answers on your wind mitigation report to determine the discount.

Factors A Home Inspector Considers For A Wind Mitigation:
  • What year was the house constructed?
  • What year was the roof installed?
  • How is the roof deck attached to the roof trusses?
  • How are the roof trusses attached to the house walls?
  • What is the geometry or shape of the roof?
  • Does the roof sheathing have Secondary Water Resistance protection?
  • What type of wind and missile protection do the windows, doors and garage doors have?


The seven wind mitigation components are not rated equally. When determining your insurance discount, each component has a different rank. Certain components are more important than other components in a Wind Mitigation Inspection.


Discounts For Wind Mitigation’s

The State of Florida adopted the new 2001 Florida Building Code, which became effective on houses that were permitted for construction on or after March 1, 2002. The new codes imposed more stringent building requirements on the construction of all new homes and roof coverings. Therefore, any house permitted for construction after March 1, 2002 will receive more discounts than a house permitted for construction prior to that date.


Since the 2001 Code was adopted, the State of Florida has adopted numerous modifications to its Building Code.  These modifications require that additional hurricane protections be installed in every new home permitted after the effective date of the new Florida Building Code.  The main addition, to the 2004 Florida Building Code, is the requirement that all glass openings in a house be protected by impact rated windows and doors or that all glass openings be protected by impact rated shutters.


Therefore to qualify for a discount on a homeowner’s insurance policy, a state licensed wind mitigation inspector must conduct the wind mitigation inspection. For twenty years, Slab-2-Shingles has performed thousands of home inspections in Southwest Florida. Slab-2-Shingles’ licensed inspectors are available to service homes in the Naples, Marco Island, Bonita Springs and Estero areas. Call 1-239-262-0058 now to schedule your wind mitigation with one of our friendly and professionally licensed inspectors and start saving on your home insurance today!


We hope this information has helped explain the importance of having a wind mitigation inspection and how this service coupled with certain component of your home effect your homeowner’s insurance rates. You can find more information on Wind Mitigation inspections and other important information concerning related inspections for your home such as radon inspections, mold inspections, home inspections and home watch servies at our web site Slab2shingles.com.