Wind Mitigation Assessment
Florida Statutes require home insurers to give Florida homeowners discounts or credits for features that reduce damage & loss in windstorms.
Wind Mitigation Report
New Wind Mitigation Form released 3/1/2026
(Uniform Mitigation Verification Inspection – UMVI)
Discounts are available for any of the following wind resistant features a home may have:
• Roof pitch greater than 6/12
• New home construction since 3/1/2002 or 12/8/2006
• Roof covering replacement with a building permit or Florida product approval code
• Various credits are available for how the roof deck is nailed to trusses or rafters
• The presence of hurricane clips or straps that secure the trusses to the exterior walls
• Sealed roof deck (homes with a completed roof permit since 2020 should qualify)
• Hip roof
• Hurricane shutters covering every window and door
The 6-page UMVI form must include photos verifying credits and be completed by a licensed individual. Our inspectors have prepared thousands of the reports and are very familiar with the
photo requirements.
As few as 2 or 3 of the credits will frequently save a few hundred dollars per year in premium
discounts. Call for an appointment and we can discuss whether your home would likely qualify
for some discounts.
of existing homes already qualify for savings.
Nearly 90 % of existing homes have one or more wind mitigating design features and already qualify for significant discounts. Building design and installation features that reduce wind damage include: better designed roof shingles, stronger roof construction, hurricane clips/straps, hurricane resistant windows or shutter protection for windows, roof shape and other construction techniques.
