Wind Mitigation Inspections in Largo, Clearwater, St. Petersburg, and Tampa

ThoroSpect Home Inspections completes wind mitigation and 4-point inspections for homeowners who need a report before an insurer will bind or renew a policy. I do not work for the insurance company. I inspect the house, photograph the features the form requires, and report what is actually there.

A wind mitigation inspection documents construction features that can reduce windstorm damage. Those features are recorded on Florida form OIR-B1-1802. Inspections on or after April 1, 2026 must use Revision 04/26. Insurers use that form to decide which windstorm credits apply. The form is generally accepted for up to five years if the structure has not materially changed. It is not proof of roof condition. A separate roof certification covers that.

What the OIR-B1-1802 inspection documents

The current form asks about building location and wind region, roof covering, roof deck attachment, roof-to-wall connection, roof geometry, roof slope, secondary water resistance, and opening protection. At least one photograph or supporting document is required for each credited item in questions 2 through 9. A full walkthrough is on the what is inspected page.

• Roof covering type, permit or product-approval evidence, and year of installation
• Roof deck attachment, including nail size and spacing where the attic is accessible
• Roof-to-wall connection: clips, single wraps, double wraps, or structural connection
• Roof shape, including hip roofs, and roof slope
• Secondary water resistance under the roof covering, when it can be verified
• Opening protection: impact-rated windows and doors, or approved panels and garage doors

Credits are set by your insurer, not by the inspector. A hip roof, a newer roof covering, a secondary water barrier, rated openings, or stronger roof-to-wall hardware can change the wind portion of a premium. I will identify every feature that can be documented. I will not mark a feature that the photos and the attic do not support.

Wind mitigation and 4-point pricing

Any home or condo, wind mitigation or 4-point:
$95*

Wind mitigation and 4-point, same day:
$150*

*Pricing of $95.00 and $150.00 are only valid for homess wihin 5 miles of my home base location. To see the exact price for your location Click Here and enter your address.

The 4-point inspection covers the roof, electrical, plumbing, and HVAC systems that many carriers want before they will write an older home. Details are on the 4-point inspection page. You can also estimate possible credits with the Florida wind insurance savings calculator. That calculator is a state tool, not a quote from your carrier.

Service area

Inspections are based in Largo and cover Clearwater, St. Petersburg, Tampa, and nearby Pinellas and Hillsborough communities. Call or email with the property address and I will confirm the appointment.

Common questions