Document your home's wind-resistant features on the Florida panhandle coast — and unlock the insurance premium discounts you may already qualify for.
A wind mitigation inspection documents the wind-resistant features built into your home — the construction details that help it stand up to the high winds and storms common along the Florida panhandle. The findings are recorded on Florida's standardized wind mitigation form (the OIR-B1-1802) and submitted to your insurance company.
Here on the Gulf Coast, this is one of the most valuable inspections a homeowner can get. Insurance carriers offer premium discounts for qualifying wind-resistant features — and because those discounts apply year after year, a single wind mitigation inspection often pays for itself many times over.
Steve Hord performs wind mitigation inspections throughout Panama City Beach and Bay County. With more than 20,000 inspections completed since 1999, he knows exactly what insurers look for and documents every qualifying feature your home has — so you get full credit for the protection already built into your property.
A wind mitigation inspection evaluates and documents the specific construction features that qualify your home for insurance premium discounts.
The type, age, and permit date of your roof covering, and whether it meets current Florida Building Code standards.
Roof geometry — hip, gable, or other — since hip roofs shed wind more effectively and often earn larger discounts.
How the roof decking is fastened to the trusses — nail type, size, and spacing all affect wind resistance.
How the roof structure is anchored to the walls — clips, single wraps, or double wraps each carry different ratings.
Whether a secondary water barrier is present beneath the roof covering to limit water intrusion if the covering fails.
Impact-rated windows, doors, and shutters that protect the home's openings from wind-borne debris.
Unlike most inspections, a wind mitigation report has a direct, measurable payoff: lower insurance premiums. If your home has qualifying features — and many Bay County homes do — your insurer is required to apply the corresponding discounts once the report is on file.
Many homeowners are surprised to learn they've been overpaying for years simply because the wind-resistant features of their home were never documented. A wind mitigation inspection corrects that, and the savings recur on every policy renewal.
Whether you're buying a home, renewing your policy, or shopping for new coverage, this is one of the smartest, lowest-cost steps you can take to reduce your insurance burden on the coast.
Your wind mitigation inspection delivers a completed state form ready to hand directly to your insurance agent.
From your first phone call to final report delivery, here's exactly what to expect.
Call 850-215-4700 or text 850-624-5255, or use our contact form. We'll get you booked on a timeline that fits your needs.
Steve evaluates your roof, attic, and openings, documenting each wind-resistant feature with photos for the official form.
You receive the completed Florida wind mitigation form, ready to submit to your insurance company for applicable discounts.
Questions after the report? Call Steve directly. We make sure you understand every finding.
Savings vary based on your home's features and your insurer, but many homeowners on the Florida panhandle see meaningful reductions in their windstorm premium — often enough that the inspection pays for itself in the first year and continues saving on every renewal.
It's typically a quick inspection — usually under an hour for an average home — since it focuses specifically on the roof, attic, and opening protection rather than the whole house. It can also be performed alongside your full home inspection.
Absolutely. Many buyers bundle a wind mitigation inspection with their pre-purchase inspection so they walk into closing already knowing their potential insurance savings. Just ask when you schedule.
In Florida, a wind mitigation inspection is generally valid for up to five years, as long as no changes are made to the documented features. After that, or after a roof replacement, a new inspection is recommended.
Cardinal Home Inspection serves Panama City Beach plus the surrounding Bay County communities — including Panama City, Lynn Haven, Callaway, Mexico Beach, Port St Joe, Chipley, Rosemary Beach, and Santa Rosa Beach. Give us a call to confirm your area.
Call Steve today • FL License HI1891 • InterNACHI CPI • BBB A+ Accredited Member • Serving Panama City Beach & Bay County