Florida Wind Mitigation Discount — Estimate Your Annual Savings
Most Florida homeowners save between $100 and $1,500+ per year by filing a Wind Mitigation form. The amount depends on what your home has. Here's a feature-by-feature breakdown of typical discount ranges and how they add up.
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Written by Lisa Meine, InterNACHI Certified Master Inspector · 11+ years in the field · Last updated May 3, 2026
Wind Mit Savings — Quick Estimates
What's the average savings?
Florida homeowners typically save $200-$800 per year on the wind portion of premium. Coastal counties and high-wind regions see the largest dollar savings.
Which feature saves the most?
A hip roof is usually the single biggest discount feature. Combined with impact windows and a sealed roof deck, the discount stack can reduce wind premium by 30-50%.
What if my home has gable roof?
You'll get smaller discounts than a hip-roof home. But you can still earn discounts for opening protection, roof deck nailing, and sealed roof deck — so the inspection is still worth it.
Will the discount apply retroactively?
Many carriers apply Wind Mit discounts retroactive to the start of the current policy period. Ask your agent — refunds for the unused portion are common.
How Wind Mit Discounts Stack
Florida wind mitigation discounts aren't a single line item — they're a stack of feature-specific discounts that compound. The OIR-B1-1802 documents what your home has; the carrier applies the corresponding discount for each feature.
Three things determine your actual savings:
- What features your home has — answered by the inspection.
- Where your home is located — coastal premium is much higher than inland, so a percentage discount becomes more dollars.
- Your specific carrier — different carriers apply slightly different discount percentages within the state-mandated framework.
Feature-by-Feature Discount Ranges
Approximate impact of each Wind Mit answer on the wind-portion premium. Actual numbers vary by carrier and property.
Roof Geometry (Question 7)
- Hip Roof: 15-30% off wind portion (single biggest discount feature for most homes)
- Other Roof (gable, etc.): No discount
- Flat Roof (qualifying multi-unit): Smaller discount than hip
Roof-to-Wall Attachment (Question 6)
- Double Wraps: Largest connection-related discount
- Single Wraps: Mid-tier discount
- Clips: Smaller discount
- Toenails: Minimal or no discount (this is the baseline)
Roof Deck Attachment (Question 5)
- Option C (8d at 6"): Largest deck-related discount
- Option B (8d at 12"): Mid-tier
- Option A (6d/staples): Smaller discount
- Option D (concrete): Strongest of all but applies only to concrete-deck homes
Sealed Roof Deck (Question 8)
- Yes (qualifying SWR): Real discount, especially when combined with impact protection
- No SWR: No discount
Opening Protection (Question 9)
- Level A (9-lb large missile, hurricane-rated): Largest opening-related discount
- Level B (4-8 lb large missile): Mid-tier discount
- Level C (plywood/OSB FBC 2007 panels): Smaller discount
- Level N (unverified): No discount
- Level X or Z: No discount, may signal a problem
Realistic Savings Examples
Three example homes, all in different parts of Florida:
Home 1: 2018 build, hip roof, impact windows, sealed roof deck, double-wrap roof-to-wall
Annual savings: $700-$1,500. Modern homes built to FBC 2007+ tend to score well on every Wind Mit section. The inspection often pays for itself in the first 60-90 days.
Home 2: 1985 build, gable roof, original windows, single-wrap straps installed in 2010 retrofit
Annual savings: $200-$500. Smaller discount because the roof shape is gable and the openings are unprotected. The retrofit straps still earn a real discount.
Home 3: 1975 build, hip roof, no documentation on retrofits, no opening protection
Annual savings: $100-$300. The hip roof helps. Without product approval documentation on the retrofits and without opening protection, the discount stays modest. A retrofit + re-inspection could improve this significantly.
Wind Mit Savings — by the Numbers
What Florida homeowners can typically expect.
Average annual savings rangeCoastal counties trend higher.
Hip roof discount on wind portionSingle biggest feature for most homes.
Typical payback periodInspection cost recovered from savings.
How long the discount appliesForm validity per OIR-B1-1802.
Discount Stack — Strongest vs Weakest Wind Mit
Two homes, both eligible for a Wind Mit, but very different discount results.
Comparison reflects publicly listed features as of May 2026. Specifications change — verify current details on each vendor's site before deciding.
Frequently Asked Questions
Will my agent quote me with-and-without the Wind Mit?
Yes — most agents will run both. Ask specifically for the wind-portion premium with each feature applied. The dollar difference makes the inspection an easy decision.
Can I get a higher discount by upgrading my home?
Yes. Common upgrades: install impact windows or hurricane shutters (Q9), install hurricane straps in a retrofit (Q6), add a sealed roof deck during your next reroof (Q8). Each can earn a measurably bigger discount on your next renewal.
Are there caps on Wind Mit discounts?
Yes — Florida law caps the maximum mitigation discount at a percentage of premium. Most carriers max out around 70-90% of theoretically-applicable discount. Practically: even with every feature, you don't go to zero on wind premium.
Can I get the inspection if I'm not in a coastal county?
Yes — Wind Mit applies anywhere in Florida. Inland savings tend to be smaller in absolute dollars because base premiums are lower, but the inspection is still worth getting.
What if my home was already inspected by the previous owner?
If you have a copy of the form (and it's still within the 5-year validity window), give it to your insurance agent. You may not need a new inspection. If the form is missing or expired, get a new one.
Does this work for condos and townhomes?
Yes — single-family homes, townhomes, and individual condo units can all use the form. Multi-unit buildings (5+) have a special Flat Roof category in Question 7.
Related
Florida Wind Mit Homeowner Guide
Everything Florida homeowners should know — what it is, what it costs, who can sign it.
Read more →Wind Mit Inspection Cost
What inspectors charge and why pricing varies.
Read more →OIR-B1-1802 Form Explained
Field-by-field walkthrough so you understand exactly what's being measured.
Read more →Get Yours — Most Florida Homeowners Save in the First Year
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