Florida storm season is here — and while neighbors are busy stacking sandbags and boarding up windows, there’s one critical area many homeowners overlook: the roof.
Your roof is the first line of defense when strong winds and heavy rains hit. And no, we’re not suggesting you climb up there with plywood and duct tape. We’re talking about something far more effective (and cost-saving): a wind mitigation inspection.
Why It Matters
A wind mitigation inspection doesn’t just check your roof — it evaluates how well your home is built to stand up against high winds. It’s the only inspection in Florida that can directly lower your homeowners insurance premium. In fact, one recent client saved over $2,000 per year on their insurance after a $145 wind mitigation inspection with us. That’s five years of savings, just from a single visit.
What’s Actually Inspected?
During your wind mitigation inspection, we evaluate key areas of your home that contribute to wind resistance, including:
✔️ Building Code Compliance – Was your home built under the 2001 Florida Building Code or newer?
✔️ Roof Covering – Type and condition of your roof material: shingle, tile, metal, etc.
✔️ Roof Deck Attachment – How securely is the roof sheathing fastened to the trusses?
✔️ Roof-to-Wall Connection – Are the trusses connected with toenails, clips, or stronger wraps?
✔️ Roof Shape – Hip roofs hold up better than gable or flat designs under wind pressure.
✔️ Secondary Water Resistance – Is there a moisture barrier under your roof covering?
✔️ Opening Protection – Are windows and doors impact-rated or protected with shutters?
Some of these features can be upgraded after your inspection (like adding storm shutters or roof straps), while others, like your roof shape, are permanent. Either way, our report gives you a clear picture of your home’s current wind resistance and what can be improved.
How You Benefit
Insurance companies in Florida reward homeowners for having wind-resistant features — because it lowers the risk of major damage during storms. That means they pass those savings on to you. After your inspection, we provide a standardized report you can send directly to your insurance agent. If you qualify, they apply the discount immediately.
Here’s the best part: your report is good for 5 years. One inspection, five years of savings.
But Wait — What About the Rest of the House?
It’s important to note that a wind mitigation inspection is not a full home inspection. It doesn’t assess the overall condition of the property — just the components that reduce wind damage. If you’re buying or maintaining a home and want a full-picture view of its condition, we always recommend a full residential inspection as well.
Get Peace of Mind Before the Storm
A wind mitigation inspection isn’t just about insurance savings — it’s about knowing your home is better prepared when a storm rolls in. That peace of mind is priceless.
Ready to take the next step?
Call or text Bobcat Inspector at 904.347.1119 to schedule your wind mitigation inspection today.
Storm season may be unpredictable, but your preparedness (and potential savings) doesn’t have to be.