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Wind Mitigation Savings Calculator

See roughly how much a wind mitigation inspection could shave off your Florida homeowners premium. Answer a few questions about your roof and we'll estimate your potential annual savings.

  • Based on Florida's standard wind-mit credits
  • Takes under a minute — no email needed
  • Turn the estimate into real savings with one inspection

Claim Your Discount

Book the inspection that unlocks the credits. 30 seconds.

Or call (407) 437-9477.

Licensed Florida inspectors • OIR-B1-1802 reports • The only way to claim credits is to document them

Estimate Your Wind Mitigation Savings

The more wind-resistant features your home has, the bigger your potential discount.

How the Estimate Works

Florida law requires insurers to give premium credits for documented wind-resistant features. This calculator approximates those credits based on the roof details you enter — shape, roof-to-wall attachment, opening protection, covering, and secondary water resistance. The actual discount is set by your carrier after a licensed inspector files the official OIR-B1-1802 form, but this gives you a realistic ballpark of what's on the table.

Important: insurers only apply credits for features that are documented on the form. If you've never had a wind mitigation inspection, you're almost certainly leaving money on the table. Book one here.

Why This Pays for Itself

A wind mitigation inspection costs about $100–$175 and the report is valid for up to five years. If your home has even a couple of qualifying features, the first-year discount usually covers the inspection — and you keep saving for years after. That's why it's one of the smartest checks a Florida homeowner can make. Read the full breakdown in what is a wind mitigation inspection, or compare it with a 4-point inspection.

Turn the Estimate Into Real Savings

The calculator shows what's possible. A documented inspection makes it real. We deliver insurer-ready reports same or next day.

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Frequently Asked Questions

Is this calculator exact?
No — it's an estimate based on Florida's wind mitigation credit structure. Your exact discount depends on your carrier and the documented results of a licensed inspection, but it gives you a realistic range of what you could save.
How do I actually get the discount?
You need a licensed wind mitigation inspection that records your home's features on the OIR-B1-1802 form. Submit that form to your insurer or agent and the credits are applied to your premium.
How much does the inspection cost?
Typically $100–$175 in Central Florida, and the report is valid up to five years — so it usually pays for itself in the first year.
Related:
What is wind mitigation?Wind mitigation serviceFlorida insurance guideRoof inspection cost calculatorRoof inspection cost
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