🌪️ What Is a Wind Mitigation Report?

A wind mitigation report is an inspection report that evaluates how well your home is built to withstand high winds—especially those caused by hurricanes and tropical storms. Florida insurance companies use it to assess your home’s risk level and determine if you qualify for premium discounts.

It’s not about passing or failing—it's about identifying features that reduce wind damage risk.

✅ What Does the Inspector Look For?

During a wind mitigation inspection, we assess key structural elements, including:

1. Roof covering (type and age)

2. Roof deck attachment (nails or clips securing the roof)

3. Roof-to-wall connections (like hurricane straps)

4. Roof shape (hip roofs perform better in high winds)

5. Gable end bracing

6. Secondary water resistance

7. Opening protection (impact-rated windows, shutters, etc.)

These features can reduce the chances of major damage during a windstorm—and the more features your home has, the bigger your insurance discount may be.

💰 Why It Matters in Tampa Bay

Florida law requires insurance companies to offer discounts for certain wind-resistant construction features. That’s why this report is one of the best ways to lower your insurance premium legally and immediately.

Even if your home doesn’t qualify for all discounts, many do for at least one or two features—like roof shape or age.

For example, we often see Tampa Bay homeowners save hundreds—even thousands—of dollars per year just from submitting a wind mitigation report.

🏠 Who Should Get One?

• Homeowners looking to save on insurance

• Buyers of homes more than 5 years old

• Sellers wanting to provide documentation to attract buyers

• Homeowners replacing a roof (new roofs often qualify for more credits)

📞 Get Yours Done by a Certified Inspector

At Summit Property Inspections, we’re certified to perform wind mitigation inspections throughout the Tampa Bay region. Reports are delivered quickly, and we can also bundle them with 4-point and full home inspections for added convenience and savings.

Call 727-599-1175 to schedule your wind mitigation inspection today.

Source: Florida Office of Insurance Regulation, Florida Building Code