What is a wind mitigation inspection?
A wind mitigation inspection documents a home's hurricane-resistant features — like roof straps and impact windows. It's optional but valuable in Florida because it can earn you meaningful discounts on your homeowners insurance.
A wind mitigation inspection documents the features that help a home stand up to hurricanes — things like roof shape, how the roof is attached (clips or straps), the roof covering, and impact-resistant windows or shutters.
It's not required, but in Florida it's often well worth the small cost, because insurers give premium discounts for qualifying features — sometimes substantial ones. Given how much Florida insurance can cost, this inspection frequently pays for itself many times over. I always remind buyers to get one; it's an easy way to lower a big monthly expense.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.