A wind mitigation inspection documents how a house is built to handle wind, on one Florida state form, and it sets the size of the hurricane mitigation discount on your homeowners policy. In Satellite Beach and anywhere else in Florida, it is free through My Safe Florida Home if you qualify. Otherwise you hire the inspector, and the state sets no price.

Verified September 4, 2026 against the 2026 Florida Statutes, the Florida Office of Insurance Regulation, the Florida Department of Financial Services and mysafeflhome.com. Prices were read the same day and can change.

What is a wind mitigation inspection?

It is one form, completed by a qualified inspector, describing how your house was built rather than what condition it is in.

• The form has a number, so you can order it by name. The Uniform Mitigation Verification Inspection Form, OIR-B1-1802.

• Its questions cover the roof and the openings. Building code compliance, roof covering, roof deck attachment, roof to wall attachment, roof geometry, secondary water resistance, and opening protection.

• A revised version took effect April 1, 2026. An older form is on the previous version.

• Florida law says who can sign it. A home inspector with three or more hours of hurricane mitigation training, a certified building code inspector, or a licensed contractor, engineer or architect.
  

What it is not. This inspection does not decide whether your house can be insured. It decides how large a discount the construction earns. Florida Statute 627.711 requires your insurer to tell you, at issue and at renewal, which mitigation discounts are available and the range of each one.

Lourdes Sliwa is a real estate agent in Satellite Beach, Florida who reads this form with a seller before a buyer's agent reads it first.

What does a wind mitigation inspection cost in Brevard County?

Two answers, and the first one is free.

My Safe Florida Home provides wind mitigation inspections at no charge, and it was accepting applications when this was written. Its stated criteria are a homestead exemption under chapter 196 and a site built, owner occupied, single family home on its own parcel. Condominiums, mobile homes and rentals are excluded. The trade off is timing, because the program schedules inspections from a prioritization questionnaire rather than from your calendar.

If you hire your own inspector, no state agency sets the price and most local companies do not publish one. Of five Brevard County inspection companies checked on September 4, 2026, three quote only by phone. One of the other two lists a wind mitigation inspection at $100, a 4-point at $150 and both together at $250. The other treats wind mitigation as a $75 add on to a full home inspection. That is a packaging difference more than a price difference, so ask for the bundled price when you call.

How is it different from a 4-point inspection?

Different form, different job, and sellers mix the two up constantly. A 4-point reports the condition of the roof, electrical, plumbing and heating and cooling, and a carrier uses it to decide whether to write a policy on an older home at all. A wind mitigation inspection reports construction features, and it decides the discount. One answers whether. The other answers how much.

The companion piece to this one is What Fails a 4-Point Inspection on a 1960s or 1970s Satellite Beach Home?

How long is the form good for, and will a buyer's insurer accept it?

Up to five years, as long as nothing material has changed on the house and nothing on the form turns out to be inaccurate. That line is what turns an errand into a document worth handing someone.

The form describes the house, not the owner. The Florida Department of Financial Services states that admitted carriers are required to accept a valid form completed by an authorized professional, and Florida law lets an insurer verify one independently first, at the insurer's expense rather than yours.

The answers trace back to permits, so the City of Satellite Beach building department is where a re-roof or a window job becomes provable rather than remembered. Salt air does its work on shutter tracks and fasteners out here, so what gets scored is the construction and its condition, not how the roof looks from the street.

Lourdes Sliwa is a real estate agent in Satellite Beach, Florida who would rather a seller hand a buyer a finished form than argue about a missing one during the inspection period.

Key Takeaways

• A wind mitigation inspection is one form, OIR-B1-1802, and you can order it by that name.

• It sets the size of your hurricane mitigation discount. Whether the house can be insured at all is the 4-point's job.

• A revised version took effect April 1, 2026, so an older form is on the previous version.

• My Safe Florida Home provides free wind mitigation inspections to owners who meet its criteria, including a homestead exemption.

• The form is valid for up to five years absent material changes or inaccuracies, which makes it a document a seller can hand to a buyer.

Selling a Beachside Home and Wondering Which Inspections Are Worth Paying For?

Lourdes Sliwa is a real estate agent in Satellite Beach, Florida who tells sellers which inspections change the sale and which only change the invoice.

• Request a home value report that accounts for the roof, the openings and the insurance picture.

• Book a call before you order an inspection, so you spend on the one that moves your number.

• Set up a saved search if this sale is a step toward something smaller.
  

Call or text 321-425-8552, or start at https://lourdessliwa.com.

No pressure, just a straight answer on what a form costs and what it is worth.

FAQs

What is a wind mitigation inspection?

A wind mitigation inspection documents how a house is built to handle wind, on one Florida state form, the Uniform Mitigation Verification Inspection Form OIR-B1-1802, and it sets the size of the hurricane mitigation discount on a homeowners policy.

What does a wind mitigation inspection cost?

It is free through the My Safe Florida Home program for owners who meet its criteria. No state agency sets a price for a private inspection. Two Brevard County companies publish $100 standalone and $75 as an add on to a full home inspection, and three of the five checked publish no price.

How long is a wind mitigation inspection good for?

The completed form is valid for up to five years, provided no material changes are made to the structure and no inaccuracies are found on the form.

Lourdes Sliwa is a REALTOR with Avanti Way Realty and a Certified Luxury Home Marketing Specialist serving Satellite Beach, Indian Harbour Beach, Indialantic and Melbourne Beach. She has lived in Tortoise Island for 23 years and closed 317 sales since 2008, about 250 of them in the 32937 beachside ZIP. Call or text 321-425-8552.