Wind-Mitigation Discounts in Miami — Complete Guide (2025 Update)
6 Min Read
Nov 24, 2025
🌬️ Wind-Mitigation Discounts in Miami — Complete Guide (2025 Update)
Updated November 2025 | by We Insure Downtown Miami
💡 Quick Summary
Did you know Miami homeowners can save up to 25 % on insurance by proving their home is wind-resistant?
This guide explains what a wind-mitigation inspection is, what gets checked, and how to submit proof to lower your premium.
1️⃣ What Is a Wind-Mitigation Inspection?
A wind-mitigation inspection evaluates how well your home can withstand hurricane-force winds.
Certified inspectors check your roof, openings, and attachments to ensure you qualify for state-approved discounts.
Common items inspected:
🏠 Roof shape (hip vs gable)
🔩 Roof deck attachment (nail vs clip type)
🪟 Window and door protection (shutters, impact glass)
🧱 Roof covering age and materials
🧰 Secondary water resistance (underlayment)
The stronger your roof-to-wall connection, the higher your savings potential.
2️⃣ Why It Matters in Miami
Since 2024, many insurers require updated wind-mit forms to renew homeowners policies.
Without one, carriers assume worst-case risk — meaning higher premiums.
Average Miami premium without report: $6,200 / year
With approved wind-mit discounts: $4,500 / year
(based on ZIP 33131 sample data)
That’s $1,700+ in annual savings just for verifying what your home already has.
3️⃣ How to Get a Wind-Mitigation Inspection
Hire a licensed inspector (Florida Building Code 468 or InterNACHI certified).
Schedule a 30–45 minute inspection — usually costs $75–$150.
Receive a Form OIR-B1-1802 (the state-approved document).
Send it to your agent (We Insure Downtown Miami can submit it directly).
Once processed, your discounts appear at renewal or on a re-rated policy.
4️⃣ The Most Common Upgrades for 2025
Upgrade | Typical Cost | Potential Savings | ROI Timeline |
|---|---|---|---|
Roof clips / straps | $800–$1,200 | 10–15% | 1–2 years |
Impact windows | $8,000–$15,000 | 20–25% | 3–4 years |
Secondary water barrier | $500–$800 | 5–8% | 1–2 years |
Hip roof retrofit | $3,000–$5,000 | 15–20% | 3–5 years |
💬 Pro Tip: Even a small retrofit like roof clips can pay for itself within two renewal cycles.
5️⃣ How to Submit Proof for Discounts
When your report is ready:
Send the PDF report to your agent or carrier.
Keep both digital and paper copies for renewals.
Ask your insurer when the new premium takes effect (usually next billing).
At We Insure Downtown Miami, our agents handle:
✅ Uploading reports to all carriers
✅ Re-rating your policy
✅ Following up until credits appear
6️⃣ FAQ
Q1: How often should I update my wind-mitigation inspection?
A: Every 5 years or whenever you make major roof or window upgrades.
Q2: Do condos qualify for wind-mitigation discounts?
A: Yes — HO-6 owners can submit proof if their building completed a certified inspection.
Q3: Can I do my own wind-mit inspection?
A: No — it must be done by a state-licensed inspector. Self-reports are not accepted by carriers.
7️⃣ Real Local Story
“We had impact windows already but never submitted proof. After the inspection, We Insure re-rated our policy — saving $1,900 a year.”
— Maria & José, Brickell homeowners
8️⃣ Call to Action
💬 Want to lower your Miami homeowners premium this month?
Book a free consultation — we’ll connect you to a certified wind-mit inspector and handle the discount paperwork for you.
Schedule Your Call →
