Home & Property

Wind Mitigation Inventory

A licensed inspector's report documenting a home's wind-resistant features, used by insurers to calculate premium discounts in hurricane-prone states.

Last reviewed: May 2026 · Editorial methodology

Definition

A wind mitigation inspection (also called a wind mitigation inventory or 1802 inspection in Florida) documents a home's resistance to wind damage by evaluating the roof covering material, roof deck attachment, roof-to-wall connections, roof shape, opening protection (hurricane shutters or impact glass), and building code compliance. In Florida, the OIR-B1-1802 form is the standard report; completed by a licensed inspector, contractor, engineer, or architect, it is submitted to the insurer to qualify for mandatory wind mitigation credits that can reduce the wind-coverage portion of the premium by 10–60%. Homes with hip roofs, single-ply membrane roofing, secondary water resistance layers, and hurricane shutters receive the largest credits. The inspection costs approximately $100–$200 and is valid for 5 years (or until the roof or structure changes). Many Florida homeowners recoup the inspection cost in premium savings within the first month of the new policy period. Other Gulf and Atlantic states have adopted similar inspection programs, though Florida's is the most formalized.

Where this term matters

Home Insurance →/states →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Hurricane DeductibleA percentage-based deductible triggered specifically when a named hurricane causes property damage, common in Gulf and Atlantic coastal states.Wind/Hail DeductibleA separate, often percentage-based deductible that applies specifically to windstorm and hail losses instead of the standard all-peril deductible.Roof AgeThe age of a home's roof surface, a major underwriting factor that affects insurability, premium rates, and settlement basis in storm-prone states.Dwelling CoverageCoverage A on a homeowners policy — pays to repair or rebuild your home's physical structure.HazardA condition or circumstance that increases the likelihood or severity of a loss from a given peril.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
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Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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