If you searched for a wind mitigation inspection near me, you are likely looking for one of the few ways to directly lower your Florida homeowners insurance premium, sometimes by hundreds or even thousands of dollars a year.
LePierre Roofing performs wind mitigation inspections for homeowners throughout Fernandina Beach, Yulee, Amelia Island, and the rest of Nassau County. Our team is trained on Florida’s current OIR-B1-1802 form, known simply as Form 1802, and knows exactly which features insurance companies are looking for, so nothing gets missed and nothing gets left on the table.
The Uniform Mitigation Verification Inspection Form, known as OIR-B1-1802 or simply Form 1802, is Florida’s standardized form for documenting a home’s wind-resistant construction features. A licensed inspector completes the form during your inspection, and you submit it to your insurance carrier, who applies premium credits based on what the report shows. A completed Form 1802 is valid for up to five years, as long as no material changes are made to the home.
Form 1802 evaluates several categories of construction. LePierre’s certified inspectors document each one with dated photos so your insurer has everything needed to apply your discount.
These two inspections are often confused, but they serve different purposes.
Feature | Wind Mitigation Inspection | Four Point Inspection |
Purpose | Documents wind-resistant features to earn insurance discounts | Verifies roof, electrical, plumbing, and HVAC condition for coverage eligibility |
Required for | Optional, used to earn premium credits | Often required for homes 15 to 25 years or older to get or keep coverage |
Form used | OIR-B1-1802 (Form 1802) | Insurer-specific four-point form |
Valid for | Up to 5 years | Typically 1 to 2 years, varies by insurer |
Typical cost | $75 to $175 | $75 to $200 |
It is a Florida-specific inspection that documents features such as your roof covering, roof deck attachment, roof-to-wall connections, roof shape, opening protection, and secondary water resistance, all recorded on the state’s Form 1802.
Many Florida homeowners save between 500 and 2,000 dollars or more per year, depending on their carrier and which wind-resistant features their home has.
A wind mitigation inspection typically costs between 75 and 175 dollars, and the savings usually cover that cost within the first couple of months.
A completed Form 1802 is valid for up to five years, as long as no material changes are made to the structure.
A four-point inspection reviews the condition of your roof, electrical, plumbing, and HVAC systems and is often required to obtain coverage on an older home. A wind mitigation inspection only documents wind-resistant construction features and is used to earn insurance discounts, not to qualify for coverage.
Yes. A new roof installed to current Florida Building Code standards can improve your roof covering and roof deck attachment ratings, which often qualifies you for a higher discount tier once you schedule a fresh wind mitigation inspection.
LePierre Roofing performs wind mitigation inspections for homeowners throughout Fernandina Beach, Yulee, Amelia Island, Callahan, Hilliard, Franklintown, Nassauville, Black Hammock Island, and O’Neil.
Ready to find out what your home could save on homeowners insurance? Schedule your wind mitigation inspection with LePierre Roofing today.