A wind mitigation inspection documents specific construction features that affect how a home performs in high wind. It is performed by a third-party licensed inspector — O’Brien Contracting does not perform wind mitigation inspections. What we do is inspect the roof and attic first, so you know whether the paperwork will help you or simply record disqualifying conditions.
On an older roof that does not meet current code, a wind mitigation form can document the problems rather than earn anything. If your roof is aging or you are unsure of its code status, start with a roof and attic inspection. If it is not ready, we will say so and recommend the roof work first.
The fee belongs to the third-party inspector who performs it, not to us, so ask them for it in writing. What moves the price: home size and height, whether the attic is accessible for deck-attachment photos, travel distance, and whether you bundle it with a 4-point inspection at the same visit. Ask your insurance agent first — some carriers keep an inspector list and occasionally contribute toward the fee at renewal.
It is a photo-and-documentation visit rather than a repair visit. The inspector works through the roof covering, the attic for deck attachment and roof-to-wall connections, roof geometry, secondary water resistance and opening protection. Homes with tight or sealed attic access take longer, and missing attic photos are the most common reason a completed form comes back without credit for a feature the home actually has.
All three names refer to the same document: the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802). The inspector completes it, it goes to your carrier, and you should keep a copy. Re-check it after any roof replacement — a new code-compliant roof changes several of the answers on the form, and an outdated one no longer describes your house.
Nothing requires you to own one, but Florida carriers commonly ask for a current form at renewal. Whether it is worth ordering comes down to the roof itself. A newer, permitted, code-compliant roof gives the form real features to record. An aging roof often just documents what is missing, and occasionally surfaces conditions you would rather address before any paperwork reaches a carrier. That is exactly why we start with a licensed roof and attic inspection.
No. Those are outsourced to third-party licensed inspectors. We perform the roof and attic inspection that determines whether you are ready for one.
It can when the home has qualifying features. Rating decisions belong to your carrier — ask your agent what your policy recognizes.
Usually not first. Have the roof and attic inspected for code compliance before creating wind mitigation paperwork.
The third-party inspector sets the fee. It varies with home size, attic accessibility, travel and whether you combine it with a 4-point inspection. Get the number in writing before booking.
Roof covering compliance, roof deck attachment, roof-to-wall connection, roof geometry, secondary water resistance, opening protection, and the building code the home was built or re-roofed under.
Carriers treat the form as current for a set period and will request an updated one at renewal. Ask your agent about your specific carrier, and order a fresh form after a roof replacement.
O'Brien Contracting — Florida roofing contractor, license CCC1335947. Call (239) 919-4485.