Wind Mitigation Inspection in North Palm Beach County
A short report that can make a real difference to what you pay for homeowners insurance.
What is it?
A licensed inspector visits your home and records its wind-resistant features on Florida's uniform mitigation verification form. Your insurer uses that form to decide which wind mitigation credits apply to your policy.
What the inspector checks
- Roof covering and its permit or install date
- Roof deck attachment: how the deck is nailed
- Roof-to-wall attachment: clips, single wraps or double wraps
- Roof shape: hip, gable or a mix
- Secondary water resistance under the roof covering
- Opening protection: impact windows, doors, garage doors or approved shutters
When to get one
- When you buy a home or renew your policy
- After installing impact windows or doors, so your insurer sees the upgrade
- After a new roof
Who does it?
Licensed professionals such as home inspectors, general contractors, building code inspectors, engineers and architects can complete the form. Private inspections are paid for by the homeowner. If you apply to My Safe Florida Home, the program assigns your inspector. See our grant guide.
How opening protection affects the report
Insurers generally give the best opening protection credit when every opening is protected, including the garage door and entry doors. If only some openings are protected, you may not get the credit. That's why many homeowners pair an inspection with an impact window upgrade.
FAQ
How long does the inspection take?
Usually under an hour for a typical single-family home, though it varies.
How long is the report good for?
Insurers often accept reports for up to five years if nothing has changed. Confirm with your insurer.
Will an inspection definitely lower my premium?
Not always. It documents what your home already has. Savings depend on your features and your insurer.
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Insurance savings estimator · Wind mitigation & insurance savings · Impact window costs · Grant 2026 status