May 13, 2026 · Tommy The Roofer
The Florida Wind Mitigation Inspection: Free Money on Your Premium
If you own a home in Florida and haven’t had a wind mitigation inspection, you may be leaving real money on the table every single year. Here’s what it is and why it matters.
What it is
A wind mitigation (“wind mit”) inspection documents how well your home — especially your roof — resists hurricane-force wind. A licensed inspector records details like:
- Roof covering and its code compliance
- Roof deck attachment (how the sheathing is nailed)
- Roof-to-wall connections (clips, straps)
- Roof shape and secondary water barrier
Why it pays
Insurers offer wind-mitigation credits — discounts for each feature that reduces wind risk. A strong wind-mit report can cut your premium noticeably, and the inspection often pays for itself in the first year.
Where metal roofs shine
A modern metal roof installed to current Florida code tends to score well across the board — strong covering, proper fastening, good water barrier. That means more credits and a lower premium, on top of the roof’s durability.
How to use it
- After any roof work, get a wind-mitigation inspection.
- Submit the report to your insurer (or shop carriers with it in hand).
- Keep it with your permits and roof paperwork.
Make your roof work for your wallet
A new roof plus a wind-mit report is one of the best one-two punches for Florida insurance costs. Get a free estimate and we’ll make sure your new roof is built to earn every credit.
Discounts vary by carrier — confirm with your insurer.