Where Can I Find My Wind Mitigation Report?
Check the inspector or insurer who issued it, your closing paperwork, or your county's property appraiser site if one was filed there.
Free to compare
The Company That Inspected
If an inspector came to your house to perform the wind mitigation inspection, that company likely keeps a copy on file. Check your email for the original report or receipt, since many send it digitally once payment clears and the inspection is complete.
Your Home Closing Documents
If the report was done before you bought the house, or the previous owner had one, it may be sitting in your closing paperwork. Sellers sometimes provide one to help with the buyer's insurance costs, so check the file from your purchase.
Your Insurer's Records
If you gave your insurer a copy to apply wind mitigation credits, ask them for a duplicate. They may have it on file from when your policy was written or last renewed, especially if it affected your premium.
Your County Property Appraiser
Some counties let homeowners file wind mitigation reports with the property appraiser's office so the discount carries forward even if the house sells. Search the appraiser's website by address to see if one was recorded there.
The Report Could Be Worth a Lower Premium
A wind mitigation report proves things like your roof shape and hurricane straps, features that can lower what you pay. If your renewal went up, finding that report and confirming the credits are applied is worth checking before you compare.
What If I Can't Find One At All
If none of those places have a copy, you may never have had one done. Wind mitigation reports aren't automatic. Someone has to pay a licensed inspector to come out and document the features, and plenty of homeowners never get around to it, especially if they bought an older house or inherited a policy that was already in place. No report existing isn't a mistake on anyone's part. It just means the discount was never claimed.
Getting one done now is usually straightforward. A licensed inspector, sometimes a contractor or a company that specializes in this, comes to the house and checks things like the roof covering, the shape of the roof, how the roof is attached to the walls, and whether you have shutters or impact-resistant windows. The inspection takes an hour or two in most cases. There's a cost to it, paid out of pocket, and it varies by who you hire and where you live.
Whether it's worth paying for depends on the house. Older homes with original roofs and no hurricane straps or clips often don't qualify for much of a discount, since the credits are tied to specific construction features, not just the inspection itself. Newer homes, or ones that have had roof work done since the last major building code update in your area, tend to score better. If you're not sure which category your house falls into, a roofing contractor or the inspector doing the report can usually tell you before you commit to paying for the full inspection.
Once the report exists, it needs to get to your insurer to do anything for your premium. Having it sit in a drawer doesn't change what you pay. Send a copy when you get it, ask them to confirm it's been applied, and check your next renewal to see the difference. If the credits are significant, this is also the point where comparing other insurers makes sense, since not every company weighs the same features the same way, and a report that earns a modest discount with one insurer might earn more with another.
Does Every Inspector Fill Out the Same Form
Wind mitigation reports follow a standard form, at least in states where insurers use them for premium credits. Florida is the clearest example, with the OIR-B1-1802 form that every licensed inspector uses, so a report from one company looks the same as a report from another in terms of what it covers. That consistency is what lets your insurer compare your house against their rating tables without guessing.
What's on the form matters more than who filled it out. It asks about the roof covering and when it was installed, the shape of the roof, how the roof deck is attached to the frame, how the roof is attached to the walls, whether you have a secondary water barrier, and whether your windows and doors are protected against impact. Each of those gets scored separately, and each one can affect the discount on its own. A hip roof with clips might earn credit even if the windows aren't protected. Impact windows help even if the roof is older.
Because the form is standardized, you don't need the same inspector who did your original report if you're getting a new one. Any licensed inspector can fill out the current version, and your insurer will accept it the same way. What matters is that the inspection is done honestly and the paperwork is signed by someone licensed to do it. Insurers do audit these from time to time, and a report that doesn't match what's actually on the house can cost you the credit later.
If your state doesn't use a standardized wind mitigation form, the inspection may still happen, but what gets documented and how it factors into your premium works differently. Ask your insurer directly what they require before paying for an inspection, since the cost only makes sense if the result is something they'll actually use.
Before You Compare
Find the report, confirm your insurer has the current copy on file, and check that the credits appear on your declarations page. If they're missing or outdated, that gap is worth fixing before you look at other quotes.
