Proof of what your home is built to withstand.

What it is

A Wind Mitigation inspection (sometimes just called a “wind mit”) is a short visit where a licensed inspector documents the construction features that make your home more resistant to high wind. The findings go on a standard state form that every Florida insurer recognizes.

There is no pass or fail. The inspector isn’t judging your home — they’re documenting what’s there.

Why it matters

Florida law requires insurance companies to offer premium discounts for homes with qualifying wind-resistant features. An insurer can only apply credits it can see documented — and this inspection is how those features get documented.

Your insurer decides which credits apply and what they’re worth. A report on its own doesn’t guarantee a particular savings.

The nine things it documents

The state updated the form in April 2026. It now records nine items:

1. Building code. When the home was built or permitted, and which version of the Florida Building Code it falls under.
2. Region. Where the home sits on the state’s design wind-speed map.
3. Roof slope. How steep the main roof is.
4. Roof covering. What the roof is made of, and when it was last permitted or whether it carries a current product approval.
5. Roof deck attachment. How the roof sheathing is fastened to the trusses — the size of the nails and how closely they’re spaced. The inspector reports the weakest fastening they find.
6. Roof-to-wall attachment. How the roof is tied to the walls: plain nails, metal clips, or straps that wrap over the truss. The updated form also recognizes tested retrofit connectors, not just how a connection looks.
7. Roof shape. Whether the roof is a hip (sloping on all sides), a gable (with flat, triangular ends), or a mix of shapes.
8. Sealed roof deck / secondary water resistance. Whether there’s a sealed barrier under the shingles that keeps water out if the covering blows off.
9. Opening protection. Whether windows, doors, and the garage door have impact-rated glass or shutters. The weakest opening is what counts, so every one of them has to be covered.

If your home has a FORTIFIED Home® certificate, the inspector can use it to back up several of these items.

What to expect on the day

Expect the inspector to spend some time in your attic photographing nails, straps, and the underside of the roof deck. They’ll also look at your windows, doors, and garage door for impact ratings, and check the roof and its permit history. Most visits take 30 to 45 minutes.

How to make it go smoothly

• Clear a path to the attic access.
• Have your roof permit or the paperwork from a roof replacement handy.
• If you have shutters or impact windows, find the product labels or approval paperwork. Shutters don’t have to be up, but their mounting hardware — the brackets, tracks, or anchors they attach to — has to be permanently installed on the house. The inspector needs to see that hardware in place, along with the shutters themselves, and confirm they cover every opening.

How long it’s good for

A Wind Mitigation report is valid for up to five years, as long as nothing material changes on the home. If you’ve put on a new roof or new impact windows since your last report, a fresh inspection is how those changes get documented. Reports done on the older seven-question form before April 2026 are generally still honored for the rest of their five years.