Canonical: https://www.budgetroofingservice.com/wind-mitigation-inspection-winter-haven-fl/ Winter Haven wind mitigation # Wind Mitigation Inspection in Winter Haven, FL Budget Roofing Service, Inc. performs wind mitigation inspections for homes in Winter Haven and across Polk County. The findings go on the state form you send to your insurance company. Get a free estimate Call (863) 967-6675 - 4.6 on Google (58 reviews) - Florida certified roofing contractor - Family-owned since 1952 ## What a wind mitigation inspection is A wind mitigation inspection documents how well your home is built to resist hurricane-force wind. The findings are recorded on Florida's uniform mitigation verification form, currently form OIR-B1-1802, adopted under [Florida Administrative Code Rule 69O-170.0155](https://www.flrules.org/gateway/ruleNo.asp?id=69O-170.0155). You send the form to your insurer, and your insurer uses it to decide which wind discounts or credits your home qualifies for. Under [Florida Statutes section 627.0629](https://www.flsenate.gov/Laws/Statutes/2025/627.0629), residential property insurers must include discounts, credits or deductible reductions for features that reduce windstorm loss: wind uplift prevention, roof strength, roof covering performance, roof-to-wall strength, opening protection, and window, door and skylight strength. The size of any discount depends on your insurer and your policy; nobody can promise one before the report is in your insurer's hands. ## What the inspection looks at - **Roof covering.** Whether the shingles, tile or metal were installed to a recognized building code standard, usually checked against permit records. - **Roof deck attachment.** How the decking is fastened to the trusses: nail type and spacing. - **Roof-to-wall attachment.** Toe nails, clips, single wraps or double wraps tying the roof structure to the walls. - **Roof shape.** Hip roofs generally perform better in wind than gable roofs. - **Secondary water resistance.** A layer under the roof covering that helps keep water out if shingles or tiles are torn off. - **Opening protection.** How windows, doors and skylights are protected. ## Who can sign the form [Florida Statutes section 627.711](https://www.flsenate.gov/Laws/Statutes/2025/627.711) lists who insurers must accept a signed mitigation form from, including licensed home inspectors with hurricane mitigation training, certified building code inspectors, licensed general, building or residential contractors, professional engineers and architects. The person who signs must personally inspect the home, with limited exceptions in the law. ## Fix the roof first, or inspect first? A wind mitigation report is a snapshot of the house as it is. If your roof has storm damage or leaks, a [roof repair](https://www.budgetroofingservice.com/roof-repair-winter-haven-fl/) protects the house now, and our [insurance claim help](https://www.budgetroofingservice.com/insurance-claims/) explains how we document storm damage. If the roof is older or failing, a [full roof replacement](https://www.budgetroofingservice.com/roof-replacement-winter-haven-fl/) is when the deck attachment, underlayment and covering are all brought up to the current code, and when the permit an inspector looks for is created. Not sure where your roof stands? Start with a [free roof inspection](https://www.budgetroofingservice.com/roof-inspection-winter-haven-fl/). ## Free inspections and grants through My Safe Florida Home The state's [My Safe Florida Home](https://mysafeflhome.com/) program offers free wind mitigation inspections to eligible homeowners and grants for approved upgrades. Eligibility and funding change, so check the program directly before you plan around a grant. Read more in our article [Wind mitigation and your roof: what Polk County homeowners should know](https://www.budgetroofingservice.com/blog/wind-mitigation-roof-florida/). Our office is at 5011 Recker Hwy, Winter Haven, FL 33880, open Monday to Friday, 7:30 AM to 5:00 PM. Call (863) 967-6675. General information, not insurance or legal advice. Ask your insurance agent how wind mitigation credits apply to your policy. ## Related - [Wind mitigation and your roof (article)](https://www.budgetroofingservice.com/blog/wind-mitigation-roof-florida/) - [Roof replacement in Winter Haven](https://www.budgetroofingservice.com/roof-replacement-winter-haven-fl/) - [Insurance claims help](https://www.budgetroofingservice.com/insurance-claims/) - [Roof inspection in Winter Haven](https://www.budgetroofingservice.com/roof-inspection-winter-haven-fl/) ## Frequently asked questions ### Does Budget Roofing Service do wind mitigation inspections? Yes. Budget Roofing Service, Inc. performs wind mitigation inspections for homes in Winter Haven and across Polk County. Call (863) 967-6675 or send the estimate form to book one. ### Does a wind mitigation inspection lower my insurance? It can. Florida law requires home insurers to offer discounts, credits or deductible reductions for qualifying wind-resistant features. Whether you save, and how much, depends on what the inspection finds and on your insurer's approved rates. ### Does a new roof help my wind mitigation report? Usually, yes. A new roof installed under a permit to the current Florida Building Code tends to score better on roof covering, and a replacement is when deck attachment and the underlayment can be upgraded. The result still depends on the rest of the house. ### What form is used for a wind mitigation inspection in Florida? The state's uniform mitigation verification inspection form, currently form OIR-B1-1802, adopted under Florida Administrative Code Rule 69O-170.0155. ### Free roof inspection & estimate Talk to our Winter Haven office, Mon-Fri 7:30am-5:00pm. Start my estimate Call (863) 967-6675 ### Licensed & accredited - FL Certified Roofing Contractor **CCC1328257** - FL Certified Roofing Contractor **CCC1330277** - BBB accredited since 2003, A+ Testimonials ## What our customers say **4.6** ★★★★★ [58 Google reviews](https://www.google.com/maps?cid=15486646553158916118) (September 2026) “Great company to deal with. Office staff and field manager very professional. Professional roof job. Went beyond the call of duty when workers accidently damaged my AC compressor. Actually replaced it with a new unit. Would do business with them anytime.” Knightowl1953 Customer testimonial “They came out when scheduled and performed the work as promised. They were the lowest priced of three bidders by a substantial margin. Very pleased with their work and recommend them.” Mark S. Customer testimonial “Our experience wirh Budget Roofing is that they are fair honest and quick.” Duane N. Customer testimonial “We got our roof 10 years ago from Budget Roofing. They did an amazing job with a great price. This week we thought our roof was leaking. They came out inspected it. Roof still looked great so it appears to be AC ductwork. Chris was very helpful explaining stuff and recommending AC company. Budget Roofing is a family owned business ,that treats their customers right. Thanks Chris!” Michele B. Customer testimonial “The absolute best company I have dealt with in a long time. I would 100% recommend them to anybody. I am so pleased with the work and fairness in the price.” William H. Customer testimonial [Read all reviews on Google](https://www.google.com/maps?cid=15486646553158916118)[Leave us a review](https://www.budgetroofingservice.com/review/) ## Need an honest opinion about your roof? Free roof inspection and written estimate. No pressure, no guesswork. [Get a free estimate](https://www.budgetroofingservice.com/contact-us/#estimate) (863) 967-6675