What could a wind mitigation inspection be worth on your home?
Answer what you already know about your roof and your windows. If you do not know an item, choose the unknown option and the estimate will widen honestly rather than guess.
Estimated credit on the wind portion of your premium: 0% – 45%
Because you answered unknown on some items, this range is wide on purpose. An inspection replaces it with a number.
An inspection typically costs less than one month of premium and the form is generally good for 5 years.
Book the inspection first, then let us shop itHow this is calculated
Wind mitigation credits are filed per carrier and apply to the wind portion of the premium rather than the whole bill. This estimator applies typical credit weightings for the items on form OIR-B1-1802, assumes the wind portion is a majority of a South Florida coastal premium, and reports a range rather than a point number because carriers differ.
What this cannot know
It cannot see your filed rates, your carrier's credit table or your actual building. It cannot tell you whether your openings qualify as protected, which only the inspector decides. Treat the output as a reason to book the inspection, not as a saving to budget.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
A licensed Florida agent may call, text or email you about your request.