What Florida Buyers Should Know About Wind Mitigation Reports

Florida buyers have a lot to think about, especially when it comes to hurricane protection and insurance costs.

One overlooked tool? The wind mitigation report.

Here’s why it matters and how it could save you money.

What Is a Wind Mitigation Report?

It’s a specialized home inspection that evaluates how well a home can withstand high winds.

The report is submitted to your insurance company and may qualify you for discounts on your homeowner’s policy.

What Does the Inspector Check?

1. Roof Shape
   • Hip roofs get higher discounts than gables
2. Roof Deck Attachment
   • How the roof sheathing is secured (e.g., nails vs. staples)
3. Roof-to-Wall Connection
   • Clips, straps, or toenails? Stronger = more savings
4. Roof Covering
   • Type and age of roofing material
5. Secondary Water Barrier
   • Underlayment that prevents leaks if shingles blow off
6. Opening Protection
   • Impact-rated windows, shutters, or garage doors

How Much Can You Save?

Many Florida buyers save hundreds to over $1,000 per year on homeowners insurance.

Discounts apply as long as the features remain in place.

Who Pays for the Report?

• Typically paid by the buyer or homeowner
• Costs between $75 and $150
• Valid for 5 years (submit it after closing)

When to Get One

• During your inspection period
• If the home has wind-resistant features not listed on MLS
• If your agent or inspector recommends it

Final Thought

A wind mitigation report isn’t just about discounts—it tells you how well your future home is prepared for storms.

📞 Call Michael Renick at 941.400.8735 to see if a wind mitigation report can help you save big in your Florida home purchase.

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