"Florida's most financially valuable home inspection — document your wind-resistant features and unlock substantial homeowner's insurance discounts."
A wind mitigation inspection is a Florida-specific evaluation that documents the wind-resistant construction features of your home — features that determine how well your house can withstand hurricane-force winds. The findings are recorded on the official Florida OIR-B1-1802 form, which is then submitted to your homeowner's insurance company. Florida law requires insurers to offer premium discounts for documented wind-resistant features, and those discounts can be substantial.
For most Tampa Bay-area homeowners, a properly performed wind mitigation inspection saves hundreds to over a thousand dollars per year on homeowner's insurance — sometimes considerably more on coastal or higher-premium properties. That's not a one-time savings either; the OIR-B1-1802 form remains valid for five years from the date of inspection, meaning the discounts continue year after year. Few inspections in Florida pay for themselves as quickly as a wind mit.
The inspection is especially impactful for homes built before the 2002 Florida Building Code updates, when modern wind-resistant construction became standard. Pre-2002 homes often qualify for credits owners simply don't know about — credits the insurance company has no obligation to apply unless the proper documentation is on file. Joseph Turner, FL Licensed HI 1081, performs wind mitigation inspections across Clearwater, Dunedin, East Lake, Largo, Palm Harbor, Pinellas Park, Safety Harbor, St. Petersburg, Tampa, and Tarpon Springs — delivering the photo-documented OIR-B1-1802 form your insurer needs to apply every credit your home has earned.
Florida insurers are required by law to offer wind mitigation discounts for documented features — but they don't apply those discounts unless you submit the form. A small upfront investment in a professional wind mit inspection routinely returns hundreds to over a thousand dollars per year in insurance savings, locked in for five full years. For coastal Pinellas County and Tampa Bay homeowners, the savings are often even greater.
Whether you're buying, selling, or simply renewing your homeowner's policy, a current OIR-B1-1802 form on file is one of the smartest financial moves you can make as a Florida homeowner.
The Florida wind mitigation form evaluates seven distinct wind-resistance characteristics of your home. Joseph photo-documents each one and completes the official form your insurer requires.
Documents the year of construction and which version of the Florida Building Code the home was built under. Homes built after the 2002 FBC and 2007 FBC updates qualify for additional baseline credits.
Identifies the type of roof covering (shingle, tile, metal, etc.) and verifies it meets Florida Building Code wind-resistance standards. Confirms permits and installation date.
Inspects how the roof deck (plywood or OSB) is fastened to the roof trusses. Larger nails, closer nail spacing, or screws result in significantly higher discounts.
Examines how the roof structure connects to the home's walls. Hurricane clips, single wraps, and double wraps each carry different premium credits — and pre-2002 homes often lack any.
Documents whether the roof is hip, gable, or another shape. Hip roofs qualify for the highest credits because they perform best in hurricane-force winds.
Verifies the presence of a self-adhering modified bitumen or sealed-deck barrier beneath the roof covering. SWR keeps water out if the roof covering fails — a major credit when present.
Evaluates protection on all windows, doors, garage doors, and skylights. Impact-rated openings, hurricane shutters, and storm panels each qualify for substantial discounts when properly documented.
Joseph completes and signs the official state form, attaches photo documentation, and delivers a clean digital report you can submit directly to your insurance carrier or agent — valid for 5 years.
Wind mitigation isn't just for new homebuyers. Existing homeowners frequently leave hundreds or thousands of dollars on the table by skipping this inspection.
Get the form completed during your purchase inspection so your insurance is set up correctly from day one — and you avoid overpaying for the first year of coverage.
If your last wind mit was over 5 years ago — or if you've never had one — you're almost certainly overpaying on insurance. A new inspection unlocks credits you've been missing.
A current OIR-B1-1802 on file is a powerful selling point. Buyers can see exactly what their insurance will cost — and that transparency helps close deals faster.
Just put a new roof on? You almost certainly qualify for new wind mitigation credits — particularly if the roof now has Secondary Water Resistance.
Installed impact-rated windows, hurricane shutters, or a new garage door? Those upgrades unlock major Category 7 discounts you'll want documented.
Florida insurance is a moving target. Get a fresh wind mit before your next renewal cycle to make sure you're getting every discount your home qualifies for.
Joseph makes the wind mitigation process as simple as possible — start to finish, you'll have the OIR-B1-1802 form in hand quickly, typically within 24 hours.
Call or text 727-580-9674 or reach out online. Most wind mit inspections can be scheduled within a few days.
Joseph photo-documents all 7 categories — roof structure, attic access, and opening protection. Typically 45 minutes to 1.5 hours.
You receive the completed and signed Florida OIR-B1-1802 form with full photo documentation — typically within 24 hours.
Forward the form to your insurance agent. Discounts are applied to your policy and remain in effect for 5 full years.
Real reviews from Tampa Bay-area homeowners who have trusted Turner Home Inspection Services for their insurance inspections.
"Our wind mitigation report from Joseph saved us over $900 a year on our homeowner's insurance. He documented credits our old policy never accounted for. The OIR form was accepted by our carrier immediately. Worth every penny."
— David T.
St. Petersburg, FL
"Joseph was on time, professional, and walked us through every wind-resistant feature of our home. As first-time buyers in Clearwater, understanding our insurance savings up front meant everything. Highly recommend."
— Megan R.
Clearwater, FL
"You can tell Joseph takes pride in his work. The wind mit report was thorough and the photos were a huge help when our agent had questions about our hurricane clips. A true professional from start to finish."
— Sandra L.
Palm Harbor, FL
Answers to the most common questions Florida homeowners ask before scheduling their wind mitigation inspection.
For most Tampa Bay-area homeowners, savings range from a few hundred dollars per year up to over a thousand dollars per year — sometimes considerably more on coastal or higher-premium properties. The exact amount depends on your home's wind-resistant features (roof shape, deck attachment, hurricane clips, secondary water resistance, opening protection, year built). Pre-2002 homes upgraded with modern features almost always see substantial savings.
The Florida wind mitigation form is valid for 5 years from the date of inspection. Once submitted to your insurer, the documented discounts remain in effect across renewals during that period. After 5 years, a new inspection is required to keep the credits current.
A standalone wind mitigation inspection typically takes between 45 minutes and 1.5 hours on-site, depending on the size of the home, attic access, and the complexity of the opening protection. If combined with a general home inspection or four point, the wind mit portion is folded into the overall visit.
It's helpful but not always required. Joseph will need access to the attic, all four exterior walls, every window and door, and the garage. If you can't be present, access can usually be arranged through a Realtor lockbox or property manager. Just call 727-580-9674 to coordinate.
Yes. Joseph is a State of Florida Licensed Home Inspector (FL License HI 1081), and the OIR-B1-1802 form he provides is the official state-mandated wind mitigation form that all Florida insurers are required to accept. The form includes photo documentation, his license number, and his signature.
Even older homes typically qualify for at least some credits — and the inspection itself documents whether you'd benefit from upgrading specific features (such as adding hurricane clips, installing impact-rated openings, or adding secondary water resistance during your next re-roof). Knowing exactly where your home stands is the first step toward smart, ROI-positive improvements.
Wind mitigation inspections available throughout the Tampa Bay area. Click any city below to learn more about our inspection services in your area.
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