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Wind mitigation discount calculator
Florida law requires insurers to offer discounts for fixtures and construction techniques that reduce windstorm damage. Those discounts apply to the wind portion of your premium, not the whole bill.
How the estimate works
Savings = premium × (wind share ÷ 100) × (credit ÷ 100). The default premium and wind share fill in from the OIR county averages when you pick a county: wind share is (average including wind − average excluding wind) ÷ average including wind. That is a rough, county-level split, labeled as an estimate. Replace both numbers with the wind and non-wind charges on your declarations page if you have them.
We do not invent a credit percentage for a hip roof, shutters or roof clips. Insurer credit tables differ, and OIR's published range form (OIR-B1-1699, effective October 2006) is listed as pending updates after the 2024 ARA wind-mitigation study. Enter the credit from the notice your insurer must provide (Form OIR-B1-1655 or your quote).
What an inspection documents
An authorized inspector completes the Uniform Mitigation Verification Inspection Form (OIR-B1-1802). OIR updated that form effective April 1, 2026. It is valid for up to five years if nothing material changes. Typical items include roof shape (a hip roof slopes on all sides, with other shapes no more than 10% of the perimeter in Citizens' instructions), roof covering, roof-deck attachment, roof-to-wall connection, opening protection (shutters or impact glass), and secondary water resistance. Homes built to the Florida Building Code on or after January 1, 2002 may qualify for a code-compliance discount with documentation.
Section 627.0629, Florida Statutes, also requires residential property insurers to describe their hurricane mitigation discounts on their websites. Ask your agent which combination of features your company actually credits.
Related: roof age and reroof payback and county averages.
Sources
- Florida OIR: Wind Mitigation Resources (s. 627.0629 requires periodic review of wind-resistive features and discounts; Uniform Mitigation Verification Inspection Form OIR-B1-1802 updated effective April 1, 2026; the form is valid for up to five years if nothing material changes; credits and the consumer notice are described on insurer-filed forms OIR-B1-1699, OIR-B1-1700 and OIR-B1-1655, which OIR lists as pending updates)
- Citizens: Protect Your Home and Save Money (mitigation policy discounts) (wind mitigation discounts apply only to the wind portion of the premium, not to mobile homes; features include opening protection, a hip roof, and Florida Building Code compliance discounts for homes built on or after January 1, 2002, with additional documentation paths)
- Florida Office of Insurance Regulation, Property Insurance Stability Report (July 1, 2026) (average homeowners and condo premiums by county from the Market Intelligence Report as of March 31, 2026: total premium divided by policies in force, separately for policies including wind and excluding wind; the report notes actual premiums vary by company, insured value, deductibles and terms, and that the average homeowners premium including wind decreased in 51 counties from the January report)
Common questions
Do wind mitigation credits apply to my whole premium?
No. Citizens states that wind mitigation discounts apply only to the wind portion of the premium, and they are not offered for mobile homes. Other insurers also credit the wind or hurricane charge, not every line on the bill.
How long is a wind mitigation inspection good for?
OIR says the Uniform Mitigation Verification Inspection Form is valid for up to five years if there are no material changes to the structure and no inaccuracies on the form.