A Single Inspection That Pays for Itself — Many Times Over
Florida homeowners pay some of the highest property insurance premiums in the country, and that's largely because of one thing: hurricane risk. The Wind Mitigation Inspection is the single most effective way for Florida homeowners to lower their insurance premium — and most homeowners don't realize how much they could save.
The State of Florida requires insurance companies to offer premium discounts for homes with documented wind-resistant features. The official Wind Mitigation form — OIR-B1-1802 — documents seven specific construction features that determine how much credit your home qualifies for. Homeowners regularly save several hundred to several thousand dollars per year after submitting a properly completed Wind Mitigation form to their insurer.
Closer Look Inspections has been completing Wind Mitigation reports for Orlando and Central Florida homeowners since 2015. We complete the official Florida OIR-B1-1802 form with photographic documentation, deliver the report the same day, and include it at no additional charge with every full inspection — so you walk away with discount-ready documentation in hand.
The Seven Features Insurers Want to See
The official Florida Wind Mitigation form documents seven construction features that determine your insurance discount. Here's exactly what's evaluated — and what your insurance carrier is looking for.
Building Code & Roof Covering
Florida insurance carriers want to know when your home was built and to what building code. Homes built after the 2001 Florida Building Code generally qualify for stronger discounts. Your roof covering is also documented — including material type, installation, and current Florida Product Approval status.
Roof Deck & Roof-to-Wall Attachment
How the roof deck is attached to the rafters and how the rafters are attached to the walls are two of the biggest discount factors. Toe-nailed, clipped, single-wrap strap, and double-wrap strap all qualify for different levels of credit. We document the attachment method with photos taken from inside the attic.
Roof Geometry & Secondary Water Resistance
Hip roofs (sloped on all four sides) generally qualify for stronger discounts than gable roofs. Secondary water resistance (SWR) — a sealed roof deck or peel-and-stick underlayment — adds another layer of insurance credit when documented.
Opening Protection
Hurricane shutters, impact-rated windows and doors, and impact-rated garage doors all qualify for opening protection credits. Whole-home impact protection generates the largest discount — but partial protection still qualifies for partial credit. We document each opening with photos and product approval verification.
OIR-B1-1802 Coverage
- Building code & year built
- Original construction date
- Florida Building Code compliance
- Roof covering
- Material type & condition
- Florida Product Approval
- Permit research included
- Roof deck attachment
- Nail type & spacing
- Photographic documentation
- Roof-to-wall attachment
- Toe nail / clip / strap evaluation
- Single-wrap or double-wrap straps
- Roof geometry
- Hip vs. gable determination
- Roof slope measurement
- Secondary water resistance
- SWR documentation
- Opening protection
- Window & door impact rating
- Hurricane shutter verification
- Garage door impact rating
- Same-day OIR-B1-1802
Three Reasons Florida Homeowners Get Wind Mitigation Reports
Florida homeowners insurance is expensive — and Wind Mitigation reports exist specifically to give homeowners a way to lower it. Here's why this report is one of the smartest investments a Florida homeowner can make:
Significant Annual Savings
Florida homeowners regularly save several hundred to several thousand dollars per year after submitting a Wind Mitigation report to their insurance carrier. The report keeps paying you back every year your policy renews — and it's valid for five years before requiring a new inspection.
Often Required for Coverage
Many Florida insurance carriers — including Citizens Property Insurance — require a current Wind Mitigation report before issuing or renewing a policy. Without it, your premium will be calculated assuming the worst-case construction features, even if your home actually qualifies for major discounts.
Documents Real Storm Resistance
Beyond the discount, the Wind Mitigation report documents how well your home is actually built to handle Florida hurricanes. If you ever need to make a claim, the same report establishes the construction features and condition of the home before the storm hit.
Why Central Florida Homeowners Trust Closer Look
Wind Mitigation reports are only as good as the inspector completing them. A missed credit costs you money every year your policy renews. Here's what sets Closer Look apart:
- Certified Master Inspector — Trained on OIR-B1-1802Keith Wilson holds the Certified Master Inspector designation and has completed thousands of Wind Mitigation reports across Central Florida. He knows exactly what insurance carriers look for — and what credits they routinely overlook when reports are incomplete or poorly documented.
- Photographic Documentation of Every FeatureEvery Wind Mitigation report we complete includes clear photo documentation of every feature on the OIR-B1-1802 form. Insurance carriers can verify roof attachment, opening protection, and roof geometry from the photos — which means faster discount approval with fewer follow-up requests.
- Roof Permit Research IncludedFlorida insurance discount tiers depend partly on when your roof was installed and to what code. We research the roof permit history as part of every Wind Mitigation report — included at no additional charge — so the report reflects the most favorable credit you legitimately qualify for.
- Same-Day Report DeliveryYour Wind Mitigation report is delivered the same day as your inspection through our Scribeware platform. Forward it to your insurance agent immediately and start the discount approval process without delay.
- Included Free With Every Full InspectionIf you're already getting a pre-purchase inspection from Closer Look, the Wind Mitigation report is included at no additional charge — saving you the $150 or more that other inspectors charge for it as a standalone service.
- Live Answered Calls 24/7Questions about your Wind Mitigation report or how to submit it to your insurance agent? Carol Wilson and the Closer Look team answer calls live, 24/7 — and remain available after the report is delivered.
The Wind Mitigation Inspection Process
From scheduling to delivered report, here's exactly what to expect when you book a Wind Mitigation inspection with Closer Look.
Schedule
Call 407-319-4608 or book online. Wind Mitigation reports can be scheduled standalone or included with a full home inspection at no extra cost.
On-Site Documentation
Inspector documents all seven OIR-B1-1802 features — roof, attic, openings, and exterior — with photographs of each qualifying feature.
Permit & Code Research
Roof permit history and Florida Building Code compliance are researched and documented to support the strongest legitimate credit available.
Same-Day Delivery
Your completed OIR-B1-1802 form is delivered the same day via Scribeware — ready to forward to your insurance agent for discount approval.
Wind Mitigation Inspection FAQ
Everything Florida homeowners want to know about insurance discounts and the OIR-B1-1802 form.
How much can I save with a Wind Mitigation report?
Savings vary widely based on your home's construction features, location, current carrier, and policy. Florida homeowners commonly save several hundred to several thousand dollars per year after a Wind Mitigation report is submitted. The strongest savings typically come from hip-roof homes with double-wrap straps, secondary water resistance, and full impact-rated opening protection. Your insurance agent can give you an exact savings estimate based on the credits documented on your report.
How long is a Wind Mitigation report valid?
A Florida Wind Mitigation Inspection Report is valid for five years from the date of inspection. After that, your insurance carrier may require an updated report to continue applying the discount. If you make significant improvements to your home — new roof, impact windows, hurricane shutters — it's smart to get an updated report sooner so the new credits can be applied immediately.
Is the Wind Mitigation report included with a full home inspection?
Yes. The Wind Mitigation report is included at no additional charge with every full Closer Look inspection. If you're scheduling a pre-purchase inspection or any full inspection, the OIR-B1-1802 form is automatically completed and delivered as part of the report package — saving you the $150+ that other inspectors charge for it standalone.
Can I order a Wind Mitigation report by itself, without a full inspection?
Yes. Existing homeowners frequently order standalone Wind Mitigation reports when their five-year report expires, when they switch insurance carriers, or after making improvements like a new roof or impact windows. Call 407-319-4608 for a standalone Wind Mitigation quote.
What's the OIR-B1-1802 form?
OIR-B1-1802 is the official Florida Wind Mitigation form required by the Florida Office of Insurance Regulation. Every Florida insurance carrier uses this exact form to determine wind-related premium discounts. Closer Look completes the OIR-B1-1802 with photographic documentation so your insurance carrier can verify and apply every credit your home qualifies for.
What if my home doesn't qualify for many discounts?
Even older homes or homes with fewer wind-resistant features typically qualify for at least some Wind Mitigation credits. Without a report, insurance carriers default to assuming the worst-case features — which means you're paying the highest possible premium. Even a partial discount usually exceeds the cost of the inspection in the first year.
Does my insurance company require this report?
Many Florida insurance carriers — including Citizens Property Insurance — require a current Wind Mitigation report before issuing or renewing a policy. Even when not strictly required, virtually every Florida carrier offers wind discounts that can only be applied with a properly completed OIR-B1-1802 on file. Without one, your premium is calculated assuming no qualifying features.
How quickly can I get my Wind Mitigation report?
Closer Look schedules Wind Mitigation inspections within 48 hours, and reports are delivered the same day as the inspection via our Scribeware reporting platform. Forward the report to your insurance agent immediately and the discount can typically be applied within days.
Ready to Lower Your Insurance Premium?
Scheduling within 48 hours • Same-day digital reports • Live answered calls 24/7