The following Florida-licensed construction professionals are allowed to perform a wind mitigation inspection, and must sign the form and list their type of license and license number:

•• Home Inspector - But only inspectors that have completed a training course approved by the Construction Industry Licensing Board and passes a proficiency exam.

•• Building Code Inspector - These are the inspectors that are licensed to work for a local building department.

•• General, Building, or Residential Contractor - These are the three levels of contractor licensing in Florida, and any one of them can do a wind mitigation inspection.

•• Professional Engineer 

•• Professional Architect

•• Any inspector recognized by an insurer as having the necessary qualifications to do the inspection.

    Unfortunately, homeowners cannot do their own wind mitigation inspections and Florida-licensed roofers are not on the list either. Many roofers, however, are also licensed in one of the approved categories and are able to complete the form anyway.

    A wind mitigation inspection report is valid for 5 years from the date of the inspection, as long as there have been no significant structural changes to the home, then it must be redone to continue to receive the windstorm policy discounts. 

    Also, see our blog post How much does a wind mitigation inspection save on insurance?

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Here’s links to a collection of other blog posts about the wind mitigation inspection:

• How much does a wind mitigation inspection cost?

• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

• Which building permit date is used for the Building Code section of the wind mitigation form? 

• What are the different roof deck attachment discount categories for a wind mitigation inspection? 

• What determines the year of a house for the wind mitigation form? 

• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

• Why did I get no discounts or only a small discount from my wind mitigation inspection?

• How do I get the hip roof discount for my homeowners windstorm insurance? 

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • 

Here’s links to a collection of our other blog posts about INSURANCE:

* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?

• Why is a fuse box/panel an insurance problem for homebuyers?

• How is Citizens Property Insurance different from other Florida homeowners insurance companies?  

• Do I need a home inspection to get insurance? 

• Is the 4-point insurance inspection strictly pass or fail?

• Should I give a copy of the home inspection report to the bank or insurance company? 

• How do I get my home ready for a four point inspection for insurance?

• Will a house without air conditioning pass a 4 point inspection?  

• What’s the difference between a gable and hip roof for my insurance? 

• Why does my homeowner's insurance want a four point inspection? 

• What is the wind mitigation inspection for homeowner's insurance? 

• Which water pipes are an insurance problem and possibly uninsurable?  

• Why does my homeowner's insurance want a roof inspection? 

• Is it common for an insurance company to require an inspection? 

• How do I get insurance if my home can't pass a 4-point inspection? 

     Visit our INSURANCE and HOME INSPECTION pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.