Is a Wind Mitigation Inspection Required to Get Insurance Discounts?

Yes, most insurance companies require a wind mitigation inspection to qualify for discounts on homeowners’ insurance in hurricane-prone areas. This inspection assesses how well a home is equipped to withstand high winds, and homeowners can receive savings based on the strength of their storm protection features, such as hurricane shutters, impact-resistant windows, and reinforced roofing.

Below, you will find answers to additional frequently asked questions related to wind mitigation inspections and insurance discounts.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection is an evaluation performed by a certified inspector to determine how well a home can resist wind damage. The inspection typically assesses:

• Roof shape, covering, and attachment strength
• Hurricane-rated windows, doors, and shutters
• Reinforced garage doors
• Roof-to-wall connections
• Secondary water resistance barriers

Homes with strong wind-resistant features may qualify for substantial insurance premium reductions.

How Much Can I Save with a Wind Mitigation Inspection?

Insurance discounts vary by provider and location, but homeowners can typically save 5% to 30% on their premiums by proving they have wind-resistant features. The actual savings depend on factors such as:

• The quality of hurricane protection (shutters, impact windows, reinforced doors).
• The structural integrity of the roof and its attachments.
• Whether the home meets Florida Building Code (FBC) or Miami-Dade County storm standards.

The cost of a wind mitigation inspection is usually between $75 and $150, making it a worthwhile investment for long-term savings.

How Do I Schedule a Wind Mitigation Inspection?

To schedule an inspection, follow these steps:

1. Find a Certified Inspector – Look for a licensed home inspector, contractor, or engineer who specializes in wind mitigation.
2. Prepare for the Inspection – Gather documents related to past home upgrades, such as receipts for hurricane shutters or roof reinforcements.
3. Complete the Inspection – The process typically takes 30–60 minutes and involves an exterior and attic evaluation.
4. Submit the Report to Your Insurance Provider – Once the inspection is complete, your insurance company will determine your eligibility for discounts.

Many inspectors provide reports the same day, allowing homeowners to quickly submit documentation for potential savings.

Find the Right Hurricane Shutters for Your Home

A wind mitigation inspection can lead to significant insurance savings when your home has the right storm protection features. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can help you choose and install hurricane shutters that meet insurance-approved wind mitigation standards.