Wind mitigation inspection costs $75 to $175 in 2026
Most Florida homeowners pay $100 to $125 for a standalone visit. Bundle it with a 4 point inspection and the combined cost runs $150 to $250. The report documents roof shape, roof to wall connections, opening protection and other features, and by state law your insurer has to apply a discount for whatever it finds.
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A fair price is $75 to $175.
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Middle of the range: $125
What you are paying for
How we calculate this
Prices are for the United States in 2026 from published cost guides, checked September 2026. This is an estimate, not a quote.
Cost by inspection type
| Standalone wind mitigation inspection | $75 to $175, most commonly $100 to $125. A licensed inspector spends 30 to 60 minutes filling out the state form. |
|---|---|
| Wind mitigation plus 4 point inspection | $150 to $250 combined. The 4 point covers roof, electrical, plumbing and HVAC age and condition, a separate question from wind resistance. |
| Reinspection or update | $85 to $150. Needed after a new roof, new openings or any change to the features on your last report. |
| My Safe Florida Home program | Free for income qualified homeowners in participating counties, funded by the state legislature. Ask before paying out of pocket. |
| Roof only inspection | $75 to $150 on its own, sometimes bundled free with a roof replacement by the contractor who did the work. |
What pushes a quote up
| Bundled vs standalone | A roofer or general home inspector already on site for something else often prices the wind mit add on lower than a standalone visit. |
|---|---|
| Home age and roof type | Newer homes built under the 2001 Florida Building Code, or Miami Dade and Broward's 1994 South Florida code, already qualify for strong credits, which can make the inspection quicker and cheaper. |
| Access and attic condition | The inspector needs to get into the attic to check roof to wall connections. A hard to access or unfinished attic adds time. |
| Market and inspector demand | Coastal counties and hurricane season itself see the most demand, which can push same day pricing higher. |
| Combined services | Pairing with a 4 point inspection, which many insurers also require, is usually cheaper than booking two separate visits. |
Wind mitigation inspection cost by region
Florida is effectively the only state with this specific, state mandated inspection and discount program, so pricing and demand are concentrated there, especially in coastal and hurricane prone counties.
Why this $125 inspection is the highest ROI move in Florida
Florida Statute 627.0629(1) requires every property insurer in the state to discount the windstorm portion of a policy based on what a wind mitigation report finds. That is not marketing language, it is state law. The inspection itself, $75 to $175, is genuinely small next to what it can move: multiple sources below describe 15 to 45 percent off the windstorm portion of premium, with the statutory maximum going as high as 88 percent for a home with every qualifying feature.
What actually gets checked
The inspector fills out the state's OIR-B1-1802 form, significantly revised effective April 1, 2026. It scores seven main features: roof covering, roof deck attachment, roof to wall connection, roof shape, secondary water resistance, opening protection such as shutters or impact windows, and the age of the roof. A home built after 2001 under the current statewide code, or after 1994 in Miami Dade and Broward under their earlier code, is automatically credited for several of these, which is why some inspectors say a newer home's report almost writes itself.
Reading the real numbers
On a typical $5,000 a year policy with about half attributable to windstorm risk, sources below walk through scenarios landing on $300 to $600 in first year savings from even a partial credit, with stronger credits on coastal or high value homes worth $1,000 to $3,000 a year. The My Safe Florida Home program, funded by the state legislature, also offers free inspections and matching grants for qualifying improvements to income eligible homeowners, worth checking before paying out of pocket.
How to judge the quote in your hand
- Ask if the report transfers. It does not move automatically from a seller to a buyer. A new homeowner needs their own report to claim the discount.
- Bundle with a 4 point if your insurer wants both. Booking one visit for both reports is usually cheaper than two separate appointments.
- Check the My Safe Florida Home program first. Income qualified homeowners in participating counties can get the inspection free.
- Confirm the inspector is licensed for this specific form. Insurers can reject a report that was not filled out by a properly licensed inspector.
- Get it redone after a new roof. A roof replacement usually improves your score. An old report undersells what your home now qualifies for.
Ways to pay less
- Time it with a roof replacement. Some roofing contractors include the wind mitigation inspection free for their own customers.
- Book wind mitigation and 4 point together. The combined price is reliably lower than paying for each separately.
- Check state program eligibility before you pay. My Safe Florida Home funds free inspections for many homeowners.
- Compare the inspection cost to the discount, not to zero. Even a modest 15 percent credit usually pays for the inspection within the first year.
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Common questions
How much does a wind mitigation inspection cost?
$75 to $175 in Florida, most commonly $100 to $125 for a standalone visit. Combined with a 4 point inspection, expect $150 to $250.
How much can a wind mitigation inspection save on insurance?
15 to 45 percent off the windstorm portion of your premium is typical, with the statutory maximum up to 88 percent for a home with every qualifying feature, according to the Florida Division of Emergency Management.
How long does a wind mitigation report last?
Five years, or until a material change is made to the structure, whichever comes first.
Does the wind mitigation report transfer when I buy a home?
No. Reports do not transfer from seller to buyer. Get your own inspection after closing to claim the discount under your own policy.
Is a wind mitigation inspection free in Florida?
It can be, through the state funded My Safe Florida Home program for income qualified homeowners in participating counties.