Wind Mitigation Inspection Boca Raton, FL

Palm Beach County rules

Why the Wind Form Reads Differently in Boca Raton

This city sits right above the line where Florida's strictest wind zone stops. Cross the Hillsboro Canal into Broward and two items on the form change.

Local field sheetBoca Raton, FL

Sheet · Wind Mitigation

A 1920s Mizner core and 1960s subdivisions near the Intracoastal in the east, condo towers on the barrier island and downtown, then gated club communities running west, some of them beyond the city limits despite a Boca Raton address.

County: Palm Beach County, FL
Building code zone: Outside the HVHZ · region set by design wind speed
From our office: 23.3 miles from 3610 N 65th Ave, Hollywood
Typical homes: 1920s Spanish-style houses, one-story 1960s subdivisions, gated club homes further west
Roofs: Barrel and flat tile on Mediterranean-style homes, plus shingle, metal and flat sections
Condos: Barrier island and downtown towers, plus inland low-rise buildings and club villas
Wind form: Outside the HVHZ. The Region answer depends on the design wind speed at the address
Water and salt: Ocean, Intracoastal, Lake Boca Raton and canals on the east side. Flood zones vary by address
ZIP codes: 33428 · 33431 · 33432 · 33433 · 33434 · 33486 · 33487 · 33496 · 33498

Neighborhoods we cover

Old Floresta
Pearl City
Downtown and Mizner Park
Royal Palm Yacht and Country Club
Camino Gardens
Boca Square
Boca Harbour
The Sanctuary
Marina Del Mar
Rio Del Mar
Via Verde
Royal Palm Polo
Broken Sound
Woodfield Country Club
Boca West

The HVHZ stops at the county line
The Florida Building Code applies the High-Velocity Hurricane Zone to Broward and Miami-Dade only, so homes here cannot answer HVHZ on item 2. We look up the design wind speed for your address in the ASCE 7-22 hazard tool, then mark Region 1, 2 or 3.
The 1994 code option is off the table
A house with a 1995 permit in Pompano Beach or Deerfield Beach may qualify for the SFBC-94 option. A similar house here does not, because that choice is limited to the HVHZ. The first code option in Boca Raton is FBC 2001 and 2004, and homes built in 2002 or 2003 need a permit application after March 1, 2002.
Older homes still have items to document
A house from the 1960s through the 1990s won't get a building code option, but it can still document a hip roof, clips or wraps, protected openings or a sealed deck added at re-roofing. Hurricane Wilma damaged many roofs here in 2005, so if yours was replaced then, that permit is worth finding.

Form OIR-B1-1802 · Rev. 04/26

The 9 Form Items, Answered for a Boca Raton Home

Go through the form item by item, or tap a pin, to see what we document on your roof, in your attic and at every opening.

1. Building code
FBC 2001 and 2004, or FBC 2007 or later. SFBC-94 is for the HVHZ only, so homes permitted before those codes fall outside both choices.
Permit date · no SFBC-94
2. Region
Not HVHZ. We read the design wind speed for your address in the ASCE 7-22 hazard tool: Region 1 at 140 mph or more, Region 2 at 130 to 139, Region 3 below 130.
Region 1, 2 or 3 by address
3. Roof slope
Is at least two-thirds of the main roof area 6:12 or steeper, or below? Stepped Mediterranean roof levels and low-pitch tile sections need careful measuring before we answer.
6:12 or steeper · below
4. Roof covering
Every covering in use, with a permit date or product approval. Inside the city limits those records sit with the city, and in unincorporated West Boca with Palm Beach County.
Permit · product approval
5. Roof deck attachment
From the attic we measure nail size and spacing where the sheathing meets the trusses. Tile hides all of this from above, so the attic side decides the item.
8d nails · spacing
6. Roof-to-wall attachment
Toenails, clips, single or double wraps, seen at the top of the wall. Two houses from the same decade can differ, and the 2026 form also counts documented retrofit connectors.
Clips · single · double wraps
7. Roof geometry
The credit depends on the whole roof line. Spanish-style houses with gable ends, towers or flat roofs behind parapets may not answer the way a plain hip does.
Hip · flat · other
8. Sealed roof deck (SWR)
Peel-and-stick underlayment or taped deck seams count when we can verify them. Standard underlayment and hot-mopped felt do not, which matters on older tile roofs laid over felt.
When verifiable
9. Opening protection
Windows, entry doors, sliders, skylights and garage doors all count, and the weakest one sets the answer. Water-facing glass may be upgraded while an old side door never was.
Weakest opening counts

Inspector checking a clay tile roof during a wind mitigation inspection in Hollywood, FL

Roof check

Why order it here

What a Wind Mitigation Inspector Does on a Boca Raton Home

Section 627.0629, Florida Statutes, requires insurers to offer credits for construction features that reduce windstorm damage, but a credit can only be applied to what is on record. A wind mitigation inspector produces that record. On a large tile-roof house, clips, deck nailing and opening protection stay invisible to the agent quoting your policy until somebody photographs them. Our guide to wind mitigation covers the basics.

Since April 1, 2026, inspections use Rev. 04/26. Each attribute in items 2 to 9 needs a photo or document, and the report stays valid for up to five years if the structure doesn't change materially and no inaccuracies turn up. Citizens says its credits are unchanged at this time. It also accepts the January 2012 form if completed within five years before April 1, 2026 with no changes to the structure. Other carriers may differ.

Peter spends most of the visit in the attic and at the openings. Most homes take less than an hour, and larger houses with several attic spaces take more. If your home has a FORTIFIED Home certificate, have it ready, since it can validate items 4 to 6 and 8 to 9.

Region taken from the design wind speed at your address
A photo or document behind each attribute
Can share one visit with a 4-point

New policy or renewal
An up-to-date form gives your agent real data to work from. Savings vary by home and carrier, and the insurer decides.
Re-roofed since your last form
A new roof can add a sealed deck and a fresh permit date. Neither one counts until it is on paper.
Buying in Boca Raton
Order it during your inspection period so the insurance quote reflects the actual house, not just its year built.
Impact windows or new shutters
The weakest opening sets the answer, so a finished upgrade is a good reason to update the report.

Form walkthrough

How OIR-B1-1802 Works Outside the HVHZ in Boca Raton

Nine items, with photos or documents behind items 2 through 9. Items 1 and 2 are where this county differs from Broward and Miami-Dade.

State of Florida · Form OIR-B1-1802 (Rev. 04/26)Uniform Mitigation Verification Inspection

01Building codeFBC 2001+
02RegionBy wind speed
03Roof slope6:12 or steeper
04Roof coveringFBC-approved
05Roof deck attachment8d @ 6"/12"
06Roof-to-wall attachmentDouble wraps
07Roof geometryHip roof
08Sealed roof deck (SWR)SWR present
09Opening protectionImpact-rated

Peter LemosInspector signature · CMI®

How to get the most from your report

Have permits handy: Roof, window and shutter permits or product approvals help prove dates and ratings.
Clear the attic access: Most of the form is answered from the attic, so we need to reach the hatch safely.
Every opening counts: Opening protection is only credited at its best level when every window, door and skylight is protected.
Update after upgrades: A new roof, shutters or impact windows can move you into a better category, so order a new report.

Simple from start to finish

Your Boca Raton Wind Mitigation Inspection, Step by Step

Send the address
We use it to look up the design wind speed for item 2. Mention any gate or HOA visitor rule too.
Gather what you have
Roof permit, product approvals and shutter or window paperwork all help. City or county permit records can fill the gaps.
Attic, roof and every opening
Peter photographs each attribute from items 2 to 9 and measures what the form asks for.
Form to your agent
You usually receive the signed report the same day. Your agent and carrier then decide which credits apply.

Peter Lemos, certified home inspector in South Florida

Your inspector

Peter Lemos, Certified Master Inspector®

Locally owned in Hollywood, FL and serving South Florida since 2008. Peter holds InterNACHI certifications in wind mitigation, 4-point and mold inspection, and clients rate Global Home Inspectors 5 stars on Google.

Meet Peter

2008Since

4.9★Google

3Counties

24hReports

Client notes · Google reviews

What South Florida Homeowners Say

4.9 Based on 82 Google reviews

“I called Global Home Inspectors to conduct a 4 point inspection and wind mitigation inspection. Peter arrived on time and was very professional. He started the inspection process immediately and took pictures. I received my report the same day and I am very pleased with the service. …”

Monique M.4-point & wind mitigation

“From start to finish, Peter was prompt, professional, and incredibly thorough. He took the time to explain every detail, answer our questions, and provide a clear and comprehensive report.”

Kendry A.Home inspection

“He was able to come out and complete the inspection within 24 hours and send me the report the same day. Most companies would have taken a week to come out and another week to send the report.”

R. Mast4-point inspection

“After a few upgrades to our home, we needed to provide our insurance company with an updated 4 point & wind mitigation inspection. I’m so glad I went with Peter because he was fantastic! He arrived on time, was a great communicator, and sent the reports very quickly. …”

Mari H.4-point & wind mitigation

“Peter visited my place as scheduled and came prepared with a good understanding of my house's historical record. … I received the report 20 minutes right after his leave. Super fast! … p.s. the drone is really cool; used to take a full view of the roof.”

NeilInsurance inspection

“Mr. Lemos is very responsive, attentive, customer friendly. Working with him and mutual customer was an absolute breath of fresh air. …”

Angela C.Insurance agent, State Farm

Read all 82 reviews on Google Leave a review See all client reviews

Good questions

Wind Mitigation in Boca Raton: Common Questions

What homeowners ask before ordering the form. Don't see yours? Call (954) 297-0317.

Is Boca Raton in the High-Velocity Hurricane Zone?

No. The Florida Building Code applies the HVHZ to Miami-Dade and Broward counties only, and Boca Raton is in Palm Beach County. That leaves item 2 to be answered as Region 1, 2 or 3 from the design wind speed at the address.

What Region will my Boca Raton home be?

We won't guess. We check your address in the ASCE 7-22 hazard tool and record what it shows: Region 1 at 140 mph or more, Region 2 at 130 to 139 mph, Region 3 below 130 mph. Don't assume a friend's answer applies to your lot.

My house was built in 1995. Can I use the South Florida Building Code option?

Not in Palm Beach County. SFBC-94 is for HVHZ homes only, so a Boca Raton house from the mid-1990s doesn't have that choice on item 1. It can still earn credits through roof shape, roof-to-wall connections, a sealed deck or opening protection.

Will this lower my premium?

That is up to your insurer, and we don't promise a figure. Florida law requires carriers to offer credits for qualifying features, and the report gives your agent what is needed to apply them. Ask for a comparison once the form is in hand.

Is my report on the old form still good?

Maybe. Citizens says it will accept the January 2012 version if it was done within five years before April 1, 2026 and the structure has not changed. Other carriers set their own rules, so check with your agent before relying on it.

I live in West Boca. Does anything change?

The inspection doesn't, and the Region question still depends on your address. Permit records do: for unincorporated communities such as Boca West, roof and window permits are with Palm Beach County, not the City of Boca Raton.

Do I also need a 4-point?

If your home is older, quite possibly. Wind mitigation records features that can earn credits, while a 4-point inspection reports condition so an insurer can decide whether to write the policy. On an older tile roof, a roof inspection can help too.

Often booked together

Other Inspections in Boca Raton

Insurers looking at a tile roof or an older house usually want more than the wind form. These fit the same trip. All inspection services in Boca Raton