Windstorm mitigation refers to the process of strengthening a home against wind damage, particularly damage caused by hurricanes and tropical storms, and documenting those protective features through an official inspection so your insurance company can apply any applicable premium discounts. Wind mitigation focuses on the structural and nonstructural features of a home that help prevent or reduce damage from high winds associated with severe storms.
In order to qualify, a licensed inspector will need to complete an inspection of the home and complete the Uniform Mitigation Verification Inspection form (OIR-B1-1802).
Wind mitigation forms are generally valid for up to five years from the date of inspection. However, this validity depends on the home’s characteristics remaining unchanged. If you replace your roof, modify the structure, or make other exterior changes that affect wind-resistant features, a new inspection may be required to maintain or potentially increase your discounts.
