InstaBidsWhat is a Florida wind mitigation inspection, and what does it look at?
Use the inspection to document wind-resistance features before deciding what work to request. Read the Florida provisions below alongside the completed form, and ask the inspector to explain any feature that needs further documentation.
Source: Fla. Stat. 627.0629, read 23 October 2026.
Source: Fla. Stat. 627.711 (uniform mitigation inspection form), read 23 October 2026.
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Key facts
- Florida windstorm mitigation provision: "(1) It is the intent of the Legislature that insurers provide savings to consumers who install or implement windstorm damage mitigation techniques, alterations, or solutions to their properties to prevent windstorm losses. A rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented. The fixtures or construction techniques must include, but are not limited to, fixtures or construction techniques that enhance wind uplift prevention, roof strength, roof covering performance, roof-to-wall strength, wall-to-floor-to-foundation strength, opening protection, and window, door, and skylight strength. Credits, discounts, or other rate differentials, or appropriate reductions in deductibles, for fixtures and construction techniques that meet the minimum requirements of the Florida Building Code must be included in the rate filing. The office shall determine the discounts, credits, other rate differentials, and appropriate reductions in deductibles that reflect the full actuarial value of such revaluation, which may be used by insurers in rate filings. Effective October 1, 2023, each insurer subject to the requirements of this section must provide information on the insurer’s website describing the hurricane mitigation discounts available to policyholders. Such information must be accessible on, or through a hyperlink located on, the home page of the insurer’s website or the primary page of the insurer’s website for property insurance policyholders or applicants for such coverage in this state. On or before January 1, 2025, and every 5 years thereafter, the office shall reevaluate and update the fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm and the discounts, credits, other rate differentials, and appropriate reductions in deductibles that reflect the full actuarial value of such fixtures or construction techniques. The office shall adopt rules and forms necessitated by such reevaluation."
Source: Fla. Stat. 627.0629, read 23 October 2026.
- Florida form provision, section 627.711(2)(b): "(b) An insurer may, but is not required to, accept a form from any other person possessing qualifications and experience acceptable to the insurer."
Source: Fla. Stat. 627.711 (uniform mitigation inspection form), read 23 October 2026.
- Florida policy notice provision, section 627.711(1): "(1) Using a form prescribed by the Office of Insurance Regulation, the insurer shall clearly notify the applicant or policyholder of any personal lines residential property insurance policy, at the time of the issuance of the policy and at each renewal, of the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm can be or have been installed or implemented. The prescribed form shall describe generally what actions the policyholders may be able to take to reduce their windstorm premium. The prescribed form and a list of such ranges approved by the office for each insurer licensed in the state and providing such discounts, credits, other rate differentials, or reductions in deductibles for properties described in this subsection shall be available for electronic viewing and download from the Department of Financial Services' or the Office of Insurance Regulation's Internet website. The Financial Services Commission may adopt rules to implement this subsection."
Source: Fla. Stat. 627.711 (uniform mitigation inspection form), read 23 October 2026.
What does the Florida windstorm provision say?
Read the complete statutory paragraph before drawing conclusions from a particular feature.
Florida windstorm mitigation provision, read 23 October 2026: "(1) It is the intent of the Legislature that insurers provide savings to consumers who install or implement windstorm damage mitigation techniques, alterations, or solutions to their properties to prevent windstorm losses. A rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented. The fixtures or construction techniques must include, but are not limited to, fixtures or construction techniques that enhance wind uplift prevention, roof strength, roof covering performance, roof-to-wall strength, wall-to-floor-to-foundation strength, opening protection, and window, door, and skylight strength. Credits, discounts, or other rate differentials, or appropriate reductions in deductibles, for fixtures and construction techniques that meet the minimum requirements of the Florida Building Code must be included in the rate filing. The office shall determine the discounts, credits, other rate differentials, and appropriate reductions in deductibles that reflect the full actuarial value of such revaluation, which may be used by insurers in rate filings. Effective October 1, 2023, each insurer subject to the requirements of this section must provide information on the insurer’s website describing the hurricane mitigation discounts available to policyholders. Such information must be accessible on, or through a hyperlink located on, the home page of the insurer’s website or the primary page of the insurer’s website for property insurance policyholders or applicants for such coverage in this state. On or before January 1, 2025, and every 5 years thereafter, the office shall reevaluate and update the fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm and the discounts, credits, other rate differentials, and appropriate reductions in deductibles that reflect the full actuarial value of such fixtures or construction techniques. The office shall adopt rules and forms necessitated by such reevaluation."
Source: Fla. Stat. 627.0629, read 23 October 2026.
Where can you read the statutory form requirements?
Read the form and inspector provisions at the Florida Legislature's source link. The paragraph on forms from any other person is quoted in full below.
Florida form provision, section 627.711(2)(b), read 23 October 2026: "(b) An insurer may, but is not required to, accept a form from any other person possessing qualifications and experience acceptable to the insurer."
Source: Fla. Stat. 627.711 (uniform mitigation inspection form), read 23 October 2026.
What does the statute say about policy notices?
Read the subsection quoted below alongside the documents your insurer sends.
Florida policy notice provision, section 627.711(1), read 23 October 2026: "(1) Using a form prescribed by the Office of Insurance Regulation, the insurer shall clearly notify the applicant or policyholder of any personal lines residential property insurance policy, at the time of the issuance of the policy and at each renewal, of the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles, and combinations of discounts, credits, rate differentials, or reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm can be or have been installed or implemented. The prescribed form shall describe generally what actions the policyholders may be able to take to reduce their windstorm premium. The prescribed form and a list of such ranges approved by the office for each insurer licensed in the state and providing such discounts, credits, other rate differentials, or reductions in deductibles for properties described in this subsection shall be available for electronic viewing and download from the Department of Financial Services' or the Office of Insurance Regulation's Internet website. The Financial Services Commission may adopt rules to implement this subsection."
Source: Fla. Stat. 627.711 (uniform mitigation inspection form), read 23 October 2026.
How can you request work on documented wind-resistance features?
Turn the documented features into a specific work description for contractors. This is practical reasoning, not legal advice and not a finding from any agency.
- Ask the inspector to identify the photographed feature and explain what the form records about it.
- Use the report and photographs to describe the proposed work without promising an outcome beyond that work.
- Ask contractors to specify materials, attachment details and completion documentation for the requested improvement.
Who sees your contact details when you post on InstaBids?
Contact details stay hidden until the homeowner picks a contractor and they confirm the connection.
Source: InstaBids process and privacy, live-page excerpts, read 23 October 2026.
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