The information on this page was last updated on July 26, 2025
Wind Mitigation Inspections for South Florida Homeowners
In South Florida, protecting your home from hurricane damage isn’t just smart - it’s necessary. But beyond safety and security, there’s another powerful incentive for upgrading your home’s storm protection: insurance savings. If you’ve installed hurricane-impact windows and doors or are planning to, a wind mitigation inspection could qualify you for substantial discounts on your homeowners insurance.
A wind mitigation inspection is a specialized assessment of how well your home can withstand hurricane-force winds. It evaluates structural features and protective upgrades that reduce the risk of wind-related damage during a storm.
In South Florida, where hurricanes are a seasonal reality, this type of inspection is especially relevant. Insurance companies are required by Florida law to offer premium discounts for homes with qualifying wind-resistant features. A certified inspection provides the documentation needed to unlock those savings.
During a wind mitigation inspection, licensed professionals evaluate several key components of your home:
The stronger these features are, the more favorable your report will be - and the more you could save.
One of the most important elements of wind mitigation is opening protection. Installing impact-resistant windows and doors is a major upgrade that directly impacts your wind mitigation score.
Impact products are engineered to withstand high-velocity debris and intense wind pressure. Not only do they help keep your family and belongings safe during a storm, but they also serve as a critical factor in lowering your windstorm insurance premiums.
Homeowners across South Florida - from Miami to Fort Lauderdale, Boca Raton, West Palm Beach and beyond - can benefit from lower insurance rates if their home meets certain criteria outlined in a wind mitigation inspection.
Potential savings can range from hundreds to thousands of dollars per year, depending on the upgrades in place and your current policy. In many cases, the cost of the inspection pays for itself within the first year of savings.
You should schedule a wind mitigation inspection:
While we do not perform wind mitigation inspections ourselves, we work closely with licensed, certified inspectors throughout South Florida and are happy to refer you to a trusted professional. We also ensure that every product we install meets or exceeds Florida Building Code standards - so you’ll be in a great position to qualify for insurance discounts.
If you’ve made hurricane protection upgrades to your home or are considering doing so, now is the perfect time to schedule a wind mitigation inspection. Let us help you take the next step toward lowering your insurance costs while ensuring your home is ready for hurricane season.
Contact us today to speak with our team or request a referral for a certified wind mitigation inspector in your area.
What is the purpose of a wind mitigation inspection?
A wind mitigation inspection determines how well your home can stand up to strong winds and hurricanes. The purpose is to identify building features that reduce storm damage and qualify you for insurance discounts under Florida law.
Do I need a wind mitigation inspection if I installed impact windows and doors?
Yes. Even if you’ve installed hurricane-rated impact windows and doors, your insurance company won’t apply discounts unless you provide a certified wind mitigation report. The inspection verifies that your upgrades meet current standards.
How much does a wind mitigation inspection cost in South Florida?
Most wind mitigation inspections in South Florida cost between $150 and $200, depending on the size of the home and the inspector you choose. The savings from your insurance discount typically offset the cost within the first year.
How long does a wind mitigation inspection take?
Inspections usually take 30 minutes to 1 hour. The inspector will check your roof, attic, walls, windows, doors, and other structural components. You’ll receive a detailed report, often the same day.
How long is a wind mitigation inspection valid?
Most insurance companies in Florida accept wind mitigation reports that are up to five years old. If your home has had upgrades or your report is outdated, it’s a good idea to schedule a new inspection.
Can I get insurance discounts without impact windows?
Possibly—but impact windows and doors usually result in the largest discounts. Other features, like roof improvements or clips, also help. However, for maximum savings and storm protection, installing impact-rated openings is strongly recommended.
Who can perform a wind mitigation inspection in Florida?
Only licensed professionals such as Florida-licensed general contractors, building inspectors, architects, engineers, or home inspectors with additional wind mitigation certification are qualified to perform the inspection.
Fill out the form below or call (561) 422-4935 to receive your free in-home estimate.
