---
title: "How Much Does a Wind Mitigation Inspection Cost in Florida?"
description: "A wind mitigation inspection in Florida costs about $75 to $150, usually near $100. What it checks, what moves the price, and how to get one for free."
published: "2026-08-17"
canonical: "https://blog.saltharborrealestate.com/blog/wind-mitigation-inspection-cost"
author: "Everitt Gill"
---

A wind mitigation inspection in Florida runs $75 to $150, and most homeowners land right around $100 to $125. Order it at the same time as a [four-point inspection](https://blog.saltharborrealestate.com/blog/4-point-inspection) and many inspectors take $20 or $25 off the second report. Homesteaded, owner-occupied homes can often get the inspection at no cost through the state's My Safe Florida Home program. The fee is small against what the report can do, because the credits it documents come off your premium every year the report stays valid.

Last spring I worked with a seller whose 1996 frame house sat a block off the dunes on the south end of the island. She had been insured for years as if the place had no storm protection at all. One inspector, about a hundred dollars, an hour in the attic and up a ladder, and her carrier finally credited the hip roof and the nailing pattern nobody had ever written down. Her renewal came down enough that the fee looked like a rounding error. That gap, between what a house actually resists and what the policy assumes, is what this inspection closes.

## How much does a wind mitigation inspection cost?

Plan on $75 to $150 statewide, with $100 to $125 the usual middle. The number moves with the size and height of the house, how far the inspector has to drive, and whether you book it alone or beside a four-point. A two-story home with a cut-up roof takes longer to document than a single-story ranch, so it sits at the top of the range. Out toward the marsh side and the rural stretches around Yulee, a longer drive can add a little. On the barrier island itself, where inspectors already spend the week in storm country, the rate tends to hold near that statewide middle.

Booking the wind mitigation and the four-point together is the easy savings. The inspector is already at the house and up in the attic, so the trip charge spreads across two reports instead of one. Older homes usually trigger both, so ask for the bundled price up front rather than paying two separate visits.

## Why are some wind mitigation quotes cheaper than others?

A wind mitigation report is only worth what your insurer will accept, and carriers only accept one signed by a licensed inspector, contractor, engineer, or architect, with a clear photo backing every feature. The cheapest quotes sometimes cut corners on photos or credentials, and a report the underwriter rejects costs you both the discount and a second inspection.

A missing attic photo can sink a roof-deck credit on its own, because the carrier can't see the nailing it's being asked to reward. Make sure the inspector photographs every feature and is licensed to sign the form. One thing that catches sellers off guard: a new roof resets the picture. If you replace the covering, the permit date and the deck attachment both change, so you need a fresh inspection to capture the upgrade. The savings live in a complete report, not in shaving $20 off the quote.

## What does a wind mitigation inspection check?

A wind mitigation inspection records seven construction features on one statewide form, the OIR-B1-1802. The inspector documents how the roof is built and tied to the walls, what shields the windows and doors, and when the house was permitted. Every feature that meets the standard is a potential discount line on your policy, which is the entire reason the report exists.

| Feature on the form | What the inspector is checking |
|---|---|
| Building code | Year of construction and permit date. A home permitted under the 2002 Florida Building Code or later starts from a stronger wind baseline. |
| Roof covering | Whether the shingles or metal meet current product-approval standards, and the date the roof was permitted. |
| Roof deck attachment | The nail type and spacing holding the plywood deck to the trusses. |
| Roof-to-wall attachment | How the roof ties to the walls: toe nails, clips, single wraps, or double wraps. Wraps earn the most. |
| Roof geometry | Hip, gable, or other shape. A hip roof, sloped on all four sides, sheds wind better and earns the larger credit. |
| Secondary water resistance | Whether a sealed underlayment backs up the shingles if the covering blows off. |
| Opening protection | Impact-rated windows and doors, or shutters rated to stop wind-borne debris. |

The visit runs short, usually 30 to 45 minutes. The inspector needs attic access, photographs each feature, and gets on or close to the roof. Nothing is invasive and nothing gets opened up.

Know what this inspection is not. It prices the features that earn wind discounts. It does not rate the condition of your roof, wiring, plumbing, and HVAC the way a four-point does, and it is narrower than a full buyer's home inspection. For how to read the finished form section by section and hand it to a buyer's insurer, see our [wind mitigation report guide](https://blog.saltharborrealestate.com/blog/wind-mitigation-report). For how the wind mit and the four-point line up when an insurer wants both, see [our piece on the two together](https://blog.saltharborrealestate.com/blog/wind-mitigation-and-4-point-inspection).

## Is a wind mitigation inspection worth it?

Almost always, yes. On a [Florida homeowners policy](https://blog.saltharborrealestate.com/blog/florida-homeowners-insurance-cost) the wind portion is often the single largest discount available, and a roughly $100 inspection that documents a hip roof and properly strapped trusses can return that fee many times over in the first year. Credits vary by carrier and by what the house actually has, so no inspection is a guaranteed payout, but the downside is capped at the fee and the upside repeats every year.

Here is the math that makes it easy. The report holds for five years in Florida, so a $100 fee works out to about $20 a year. Set $20 against a wind credit that can run well into the hundreds annually on a coastal policy, and the decision isn't close. The one case where it disappoints is a pre-2002 house with original openings and toe-nailed trusses, which may earn little. Even then you learn exactly which upgrades would move the needle, which is its own kind of useful when you're deciding [what to fix before listing](https://blog.saltharborrealestate.com/blog/what-not-to-fix-when-selling-a-house).

When we take an older home to market, we ask for the wind mit early for that reason. A clean report is something a listing agent can hand a cautious buyer, and a thin one tells the seller where a few targeted dollars would buy a better policy and a smoother closing.

## How do you get a free wind mitigation inspection in Florida?

Florida's My Safe Florida Home program offers free wind mitigation inspections to eligible homesteaded, owner-occupied homes under a value cap set by the program. You apply through the state, a certified inspector visits, and you receive the same OIR-B1-1802 report you would otherwise pay for, along with a list of upgrades the companion grant can help fund. The program runs in funding cycles, so applications open and close and waitlists form, but when it is funded it is the cleanest way to get the report for nothing.

The grant is the other half of the program. It puts matching dollars toward the same features the inspection scores, like opening protection and roof-to-wall reinforcement. So the free inspection can lead to subsidized upgrades, which lead to bigger insurance credits down the line. If the program is closed or you don't qualify, the paid inspection is still cheap enough that most owners come out ahead in year one. Some carriers and agents will also order or reimburse one to right-size a policy, so ask yours before you pay out of pocket.

## When should you schedule it before selling?

If you're prepping an older home, order the wind mitigation inspection before you list and bundle it with the four-point so one visit covers both. An older house near the coast carries assumptions in an underwriter's head, and a documented hip roof or a set of rated shutters answers them before a buyer's insurer can lean on the rate. For the right order to run the two inspections and how the combined cost shakes out, see our guide to the wind mitigation and four-point together.