Wind Mitigation and Your Roof
In Florida, most wind mitigation insurance credits come from the roof. A new roof done right can move you from no credit to full credit on the categories that matter, and that is where the premium savings are. Serving West Central Florida. CCC1337501.
What Wind Mitigation Is
A wind mitigation inspection documents how well your home is built to resist hurricane wind. The results go on a state form, the OIR-B1-1802, and your insurance carrier gives premium credits for the features you have. The wind portion is a large share of a Florida homeowners premium, so those credits add up.
Here is the part most homeowners do not realize: five of the six things the form scores are the roof or tied to it. Your roof is the single biggest lever on the score.
What the Inspection Scores
- Roof covering. Whether your shingles or tile meet current Florida Building Code product approval.
- Roof deck attachment. How the deck is nailed down. Nail type and spacing.
- Roof-to-wall connection. Toe-nails, clips, or straps tying the roof to the walls.
- Roof shape. Hip roofs score better than gable.
- Secondary water resistance. A sealed barrier under the roof covering.
- Opening protection. Impact windows, doors, and shutters.
Where a New Roof Wins You Credits
When we tear off and replace a roof, we can bring the roof-driven credit categories up to the top tier:
- Roof covering. We install Florida Building Code approved product, documented for the credit.
- Roof deck attachment. During tear-off we re-nail the deck to current code, ring-shank nails at code spacing.
- Secondary water resistance. We add a sealed secondary water barrier, a credit a lot of older roofs do not have.
Roof shape and roof-to-wall connections are structural and scored as they are, but covering, deck attachment, and secondary water resistance are exactly what a re-roof improves. Moving those three from no credit to full credit is where homeowners see the premium drop.
We Coordinate the Inspection
A roofing contractor is not authorized to sign the wind mitigation form, by Florida law that is a licensed home inspector, general or building contractor, engineer, or architect. So we do not pretend to. We coordinate a licensed inspector for you after the new roof goes on, so the credits you just paid for actually show up on your policy. If you only need the inspection, we are glad to point you to a trusted one.
If your roof is older, a new roof plus monthly financing can pay part of itself back through the insurance savings. Call 352-269-3355 and we will walk you through it.
Wind Mitigation FAQ
Does Scotti Family Roofing do the wind mitigation inspection?
A roofing contractor is not authorized to sign the wind mitigation form (OIR-B1-1802). By Florida law that form is signed by a licensed home inspector, a general or building contractor, an engineer, or an architect. We coordinate a licensed inspector for you. What we control, and where the savings come from, is the roof itself.
How does a new roof lower my insurance through wind mitigation?
Most wind mitigation credits are roof features. A new roof lets us bring your roof covering up to Florida Building Code product approval, re-nail the roof deck to current code, and add a secondary water barrier. Those three credit categories often move from no credit to full credit, which is where homeowners see the biggest premium drop.
What does a wind mitigation inspection look at?
The OIR-B1-1802 form scores roof covering, roof deck attachment, roof-to-wall connection, roof shape, secondary water resistance, and opening protection. Five of the six are roof or roof-related, which is why your roof is the single biggest lever on the score.
How much can wind mitigation credits save me?
It varies by carrier and home, but the wind portion is a large share of a Florida homeowners premium, and full roof credits can take a meaningful percentage off. Many homeowners recover part of a new roof through the premium savings over time.
Want the Insurance Credits?
A new roof maxes your wind mitigation score. We will show you the math.