Wind Mitigation Inspections

Save Money on Florida Insurance

Professional Reports That Qualify You for Maximum Insurance Discounts

Florida homeowners can save hundreds or even thousands annually on insurance premiums with a professional wind mitigation inspection. Our certified inspectors document your home's wind-resistant features to help you qualify for maximum insurance discounts.

Why You Need a Wind Mitigation Inspection:

A small house with high winds blowing palm trees and leaves around, showing a stormy weather scene.

Required by most Florida insurance companies

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One-time inspection with lasting benefits

Can reduce premiums by up to 60% or more

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Pays for itself quickly through savings

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What We Inspect & Document

Roof Shape Analysis

Hip roofs qualify for higher discounts than gable roofs. We document your roof configuration for maximum savings.

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A man takes a photograph of a damaged cinder block wall with exposed rebar and insulation during daylight hours.

Wall Construction Type

CBS (concrete block), wood frame, or masonry construction each have different ratings affecting your discounts.

Roof Deck Attachment

The difference between 8d nails and 6d nails can mean significant insurance savings. We verify your deck attachment method.

A construction worker kneeling in an attic inspection space, holding a flashlight, with wooden framing and insulation visible in the ceiling.

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Window & Door Protection

Impact-resistant glass, storm shutters, or opening protection systems are documented for substantial savings.

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Roof-to-Wall Connection

Hurricane straps, clips, and toe-nails are evaluated. Proper connections can save up to 37% on premiums.

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a home inspector worker installing roofing underlayment on a roof with palm trees in the background.

Secondary Water Resistance

Roof underlayment and deck protection features that provide additional storm resistance.

Your Potential Annual Insurance Savings

Potential Discount

Feature

Roof Shape (Hip vs Gable)

Roof Deck Attachment

Roof-to-Wall Connection

Opening Protection

Secondary Water Resistance

Up to 36%

Up to 17%

Up to 37%

Up to 60%+

Up to 10%

Insurance Companies We Work With

State Farm

Allstate

Citizens Property Insurance

Universal Property & Casualty

Security First Insurance

Tower Hill Insurance

And many others

Frequently Asked Questions

Everything you need to know about Kenco Home Inspections

      What is a Wind Mitigation Inspection?
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        A Wind Mitigation Inspection evaluates how well a home is built to withstand strong winds and hurricanes. It looks at features that help reduce wind damage — like roof shape, roof-to-wall connections, and window protection.
        
        🏡 Bonus: Homes with good wind-mitigation features can qualify for insurance discounts.
      
      Is a Wind Mitigation Inspection required?
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        It's not required by law, but in Florida and other coastal states, it's highly recommended — and often requested by insurance companies. It can help you lower your premiums by showing your home has wind-resistant features.
      
      What does the inspector look at?
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        During a wind mitigation inspection, we examine:
        Roof shape and covering (shingles, metal, etc.)
Roof deck attachment (how the roof is nailed to the structure)
Roof-to-wall connections (clips, straps, toe nails)
Secondary water resistance (underlayment)
Opening protection (impact windows, shutters, reinforced doors)

      How long does the inspection take?
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        A wind mitigation inspection typically takes 30 to 60 minutes, depending on the size and accessibility of your roof and attic. We may need access to the attic to photograph the roof-to-wall connections.
      
      Will I get a report to submit to my insurance company?
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        Yes! We'll provide a state-approved Wind Mitigation Report (usually form OIR-B1-1802 in Florida) with clear photos of each feature. You can submit this directly to your insurance provider for possible premium reductions.
      
      How much money can I save with a wind mitigation inspection?
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        Savings vary, but many homeowners save hundreds—sometimes even over $1,000 per year on insurance premiums. It all depends on your home's construction features and your insurance provider's discount structure.