What a wind mitigation inspection checks
- Roof shape. Hip roofs generally qualify for a bigger credit than gable roofs because they perform better in high wind.
- Roof-to-wall connections. Toe nails, clips, or single/double wraps each carry a different credit level — this is one of the most commonly misread items on a report.
- Roof covering and permit date. Newer roofs installed to current code standards typically qualify for additional credit.
- Opening protection. Impact-rated windows, doors, and shutters that protect the whole building envelope can meaningfully reduce your rate.
- Secondary water resistance (SWR). A sealed roof deck can qualify for credit even if the covering itself is standard.
Alabama vs. Florida: what's different
Florida uses the standardized OIR-B1-1802 wind mitigation form, and Florida-based carriers weight these credits heavily and consistently. Alabama doesn't have an identical statewide standardized form, so credit structures vary more by carrier — which means how the inspection is documented and presented matters even more. If you're near the state line or have property in both states, it's worth having someone who understands both systems review your coverage.
Why it matters to have an inspector as your agent
A wind mitigation report is only as useful as the person reading it. Because Brian Lehmann is a Certified Building Inspector and licensed Home Inspector, he can look at an existing report — or help arrange a new one — and know immediately whether you're getting every credit your home actually qualifies for.
Think your home might qualify for missed credits?
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