Wind Mitigation Reports in Florida: Who Performs Them and What to Prepare
Know which inspection you need, what the current Florida form documents, and how roofing records support an accurate report.
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A Florida wind mitigation report documents construction features for an insurer's review. It is different from a roof condition inspection, a repair estimate, or a promise that the home will withstand a hurricane. Arrange the report with an authorized mitigation inspector, gather the supporting property records, and confirm the submission process with your insurer. Crowther Roofing can address roofing conditions and provide relevant project information, but does not perform the formal wind mitigation reports described here.
In this guide
Start by identifying the document being requested
An insurance request may mention a wind mitigation report, a roof condition statement, or another inspection. Those documents answer different questions. Before scheduling, ask for the exact report name and the reason it is needed. A roofing service visit should not be purchased with the assumption that it will produce every document an insurer might request.
For wind mitigation inspections conducted on or after April 1, 2026, Florida requires the revised Uniform Mitigation Verification Inspection Form OIR-B1-1802, Rev. 04/26. Florida's Department of Financial Services confirms that earlier inspections may use the previous form. An old PDF found through a search engine should therefore not be treated as the correct form for a new appointment. [2]
The practical first step is straightforward: send the insurer's request to the inspection provider and ask what the completed service includes. Confirm whether you will receive the signed form, supporting photographs, and other documents used to substantiate the findings.
If the request arrives shortly before renewal, explain the deadline immediately. Leave time to obtain missing records or clarify a report entry. Rushing the appointment does not create evidence for a concealed feature, and an incomplete file can lead to additional questions after the visit is over. Knowing the requested deliverable helps everyone work toward the same outcome.
Verify the signer's qualification before booking
Florida law identifies several categories of authorized mitigation inspectors. They include qualifying licensed home inspectors with specified mitigation training, certified building code inspectors, licensed general, building, or residential contractors, professional engineers, professional architects, and other individuals or entities recognized by the insurer as properly qualified. Eligibility depends on the applicable category and requirements, not simply on using the word inspector in an advertisement. [3]
Ask who will sign the report and how that person qualifies. Confirm relevant license information through the appropriate official licensing resource, and ask your insurer about any additional submission requirements. If an employee will perform the visit, the provider should be able to explain the permitted arrangement and who accepts responsibility for the report.
A roofing license should not be assumed, by itself, to answer every qualification question. Equally, Crowther Roofing's decision not to offer formal wind mitigation reports does not mean every roofing business is prohibited from participating through an appropriately qualified individual or recognized arrangement.
Crowther Roofing's published guidance states that the company focuses on roofing work rather than completing these formal reports. Keep that service boundary clear when scheduling. You may need both a roofing contractor to evaluate or complete work and a qualified mitigation inspector to document the relevant features. One appointment is not automatically a substitute for the other. [1]
Build a property file that supports the inspection
Gather records that explain what was installed and when. Useful materials may include roofing permits, final inspection records, replacement invoices, product information, photographs taken during construction, and documents for opening protection. Give the inspector the original files when available rather than cropped screenshots that omit dates or identifying details.
The revised form includes building-code information, region, roof slope, roof covering, deck attachment, roof-to-wall connections, roof geometry, secondary water resistance, and opening protection. It requires supporting evidence for designated entries. A product name on an invoice may help, but it does not automatically prove that every concealed component was installed in a qualifying way. [4]
For a hypothetical Fort Myers homeowner who recently replaced a roof, the final invoice might identify the covering while construction photos show layers no longer visible. Organize those records by project and area. If a porch was excluded from the replacement, say so; do not let a main-roof invoice imply that the entire property received the same work.
Ask about access before the appointment. The inspector may need to review accessible parts of the home, but homeowners should not climb onto the roof or disturb insulation to manufacture a view. Explain known access limitations and let the professional determine how they affect the inspection. Accurate unknowns are better than unsupported assumptions.
Read the completed report as evidence, not a pass certificate
When the report arrives, review the address, owner information, inspection date, and descriptions of the work. Make sure the photographs belong to your property and that the documents attached are the ones you provided. If a factual entry appears wrong, ask the inspector to explain it and correct any confirmed error through the proper process.
An unknown or unverified feature is a prompt for a conversation. Ask what evidence was missing and whether additional records or access could resolve it. Do not assume the inspector can simply select a better category because the roof is new or because a previous owner remembers an upgrade.
Keep the insurer's role separate. The report supplies information for insurance evaluation; it does not promise a specific premium change. Ask your agent or insurer how the submitted information affects your policy and whether anything else is required. A reduction discussed for another home is not a quote for yours.
Likewise, avoid treating a favorable entry as a guarantee of storm performance. A documented feature has a defined meaning within the report. It does not certify the entire house against every future wind event, debris impact, or water-entry condition. The report is useful because it records evidence consistently, not because it replaces the need for sound construction and appropriate property care.
Coordinate roofing work and the next report
If you are planning work, discuss documentation before concealed layers are covered. Ask the roofing contractor which records will be available and ask the mitigation inspector what evidence may be useful. This is especially helpful when deck attachment or underlying water-resistance details are part of the project.
Do not order an upgrade solely because someone promises an insurance credit. First establish the existing condition, the proposed scope, and the actual benefit being evaluated. Then request the insurer's policy-specific response. A sensible roofing improvement can have value independent of a premium adjustment, while an assumed discount may not justify a poorly defined project.
After a roof replacement or other material change, ask whether the existing report needs updating. Do not assume its printed expiration date means every entry still describes the property. Keep the earlier report as history and make the subsequent changes easy to identify.
Contact Crowther Roofing for roof inspection, repair, or replacement documentation needs, and arrange the formal wind mitigation report with an authorized provider. Share the report questions and existing records early so the roofing scope and the inspection record can be coordinated without confusing their different purposes.
Frequently Asked Questions
Is a RoofCheck™ the same as a wind mitigation report?
No. A RoofCheck™ concerns roof conditions and service needs. The formal insurance report uses Florida’s mitigation verification form and must be completed through an authorized inspector. Confirm which document your insurer requested before booking a roofing service.
Which Florida wind mitigation form applies to a new inspection?
Inspections conducted on or after April 1, 2026, use OIR-B1-1802, Rev. 04/26. Older inspections may have used the prior version. Obtain the current form through Florida’s official insurance resources rather than relying on an undated copy.
Does every licensed roofer qualify to sign the report?
Do not assume that. The signer must qualify under the applicable authorized-inspector provisions or insurer recognition. Ask for the specific qualification and verify it. Crowther Roofing does not offer the formal report service described in this article.
Can an invoice prove a concealed mitigation feature?
It may support the review, but an invoice alone may not establish every required detail. The inspector decides what evidence supports an entry under the form. Construction photographs, permits, product records, and accessible observations may also be relevant.
Does a completed report guarantee an insurance discount?
No. The insurer evaluates the documented features under the policy and applicable rating rules. Ask for the effect on your own coverage and premium instead of relying on a percentage advertised for another property.
Should I update the report after a roof replacement?
Ask the insurer and inspector. Material changes can affect whether the earlier report still describes the home accurately. Preserve the old report, the replacement records, and any updated inspection together so the sequence remains clear.
Technical references
- Crowther Roofing: Wind Mitigation Reports and Who Performs Them
- Florida Department of Financial Services: Mitigation Notices, Inspections and Forms
- Florida Statutes 627.711
- Florida OIR: Uniform Mitigation Verification Inspection Form, Rev.04/26
Use current source documents and confirm the requirements that apply to your property and project.
Prepare the roof records your inspector needs
Share your property location and project goals with Crowther Roofing to discuss the scope and the next step.
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