Wind Mitigation Inspection Fort Lauderdale, FL

Wind mitigation here

Where Fort Lauderdale Homes Win or Lose Wind Credits

Item 2 is settled the moment you give us the address: HVHZ. The rest comes down to when your home was built and what has changed since.

Local field sheetFort Lauderdale, FL

Sheet · Wind Mitigation

Finger isles and canals dredged in the 1920s, an old west side around Sailboat Bend, broad 1950s and 1960s subdivisions that filled in the rest, and condo high-rises along the beach and downtown.

County: Broward County, FL
Building code zone: High-Velocity Hurricane Zone (HVHZ)
From our office: 7.6 miles from 3610 N 65th Ave, Hollywood
Typical homes: Much of the city dates from the 1950s and 1960s, with older cottages in Sailboat Bend
Waterfront: About 165 miles of canals and waterways. Keeping a seawall in good repair is the owner's job
Condos: High-rises on Galt Ocean Mile and the beach, some from the late 1950s and 1960s, plus downtown towers
Historic area: Sailboat Bend, the city's largest local historic district, with more than 550 buildings
Water and salt: Salt air at the beach and isles. The April 2023 rain flooded parts of the city
ZIP codes: 33301 · 33304 · 33305 · 33306 · 33308 · 33309 · 33311 · 33312 · 33315 · 33316 · 33334

Neighborhoods we cover

Las Olas Isles
Nurmi Isles
Seven Isles
Rio Vista
Sailboat Bend
Victoria Park
Colee Hammock
Tarpon River
Harbor Beach
Harbordale
Central Beach
Galt Ocean Mile
Coral Ridge
Coral Ridge Isles
Imperial Point
Poinsettia Heights

A postwar house with newer parts
Most of the city was built long before the SFBC-94 option on item 1, so the building code credit is out of reach for many homes. A 1960s house can still document roof shape, roof-to-wall connections and a sealed deck added at a later re-roof.
Permit history you can actually get
Items 4 and 9 lean on permit dates and product approvals. If you have lost the paperwork, the city's Property Records Office keeps digital and microfilm records of permits and plans, which can help when a re-roof or window job happened decades ago.
Big glass on the water side
Item 9 records the weakest opening, not the best one. On a waterfront house, that can be a single older slider or French door facing the canal. In Sailboat Bend, a replacement that changes the exterior appearance needs a Certificate of Appropriateness first, so plan ahead.

Form OIR-B1-1802 · Rev. 04/26

The 9 Items on a Fort Lauderdale Wind Mitigation Form

Move down the form, or tap a pin, to see what gets documented at your roof, in your attic and around every opening.

1. Building code
FBC 2001 and 2004, FBC 2007 or later, or SFBC-94 for permits after September 1, 1994. Most postwar homes here predate all three.
Year built · permit date
2. Region
HVHZ for every Fort Lauderdale address, isles and inland alike, so there is no design wind speed to look up for your property.
HVHZ
3. Roof slope
Whether at least two-thirds of the main roof area reaches 6:12. Low sections over porches and additions rarely decide it, so we measure the main roof.
6:12 or steeper · below
4. Roof covering
Every covering in use, with permit dates or product approvals. The city's Property Records Office can help when an old re-roof left no paperwork behind.
Permit · product approval
5. Roof deck attachment
From the attic we read nail size and spacing where the deck meets the framing. The form takes the weakest attachment we can verify.
8d nails · spacing
6. Roof-to-wall attachment
Older houses often show toenails or clips. Wraps rank higher, and the 2026 form also takes tested retrofit connectors with the right documentation.
Clips · single · double wraps
7. Roof geometry
Hip roofs earn the geometry credit. Gabled bungalows and mixed roof lines on the older streets usually answer differently, so we look at the whole roof.
Hip · flat · other
8. Sealed roof deck (SWR)
Worth checking after a later re-roof. Self-adhering membrane or taped deck seams can qualify, while standard underlayment and hot-mopped felt do not.
When verifiable
9. Opening protection
Windows, doors, skylights and garage doors all count, and the weakest one sets the answer, including that old slider facing the canal.
Weakest opening counts

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

Roof check

Why it matters here

Why Fort Lauderdale Owners Order a Wind Mitigation Report

Florida law, in Section 627.0629, requires insurers to offer credits for construction features that reduce windstorm damage. The catch is documentation. Straps no one photographed and a sealed deck no one recorded cannot help you, and in a city where so many houses have had new roofs and windows over the decades, that paperwork is often missing.

The visit is short on most homes. Peter goes through the attic, roof and openings, and attaches a photo or document for each of items 2 to 9. Inspections since April 1, 2026 must use Rev. 04/26, which adds Region and Roof Slope. A report stays valid for up to five years if no material changes are made and no inaccuracies are found. Our guide to the wind mitigation report walks through it.

Current Rev. 04/26 form, with photos attached
Good for up to five years with no material changes
Pairs with a 4-point inspection on the same trip

Lower windstorm cost
Credits vary by carrier and home, so we cannot quote a number. Documented features give your agent something to work with.
Up to five years
One report can serve renewals and new policies, as long as the structure stays the same and nothing on the form proves wrong.
Buying in Fort Lauderdale?
Order it during your inspection period, so the quote you compare reflects this particular house and not a guess.
Recent roof or windows?
Upgrades do nothing for your premium until they appear on the form. A new report captures what you paid for.

Your report, explained

How Form OIR-B1-1802 Reads on a Fort Lauderdale Home

Nine items, with a photo or document behind each of items 2 through 9. Your insurer reads them to work out your credits.

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

01Building codeFBC 2001+
02RegionHVHZ
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

How a Fort Lauderdale Wind Mitigation Inspection Works

Set the appointment
Call or text with your address. If you have roof or window permits, keep them handy for the visit.
Top to bottom
Attic framing first, then roof covering, then each window and door, with a photo for every item.
Signed form
The completed OIR-B1-1802, with photos attached, typically reaches you on inspection day.
Give it to your agent
Your agent submits it, and the insurer decides which credits apply to your policy.

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 FAQs for Fort Lauderdale, FL

What homeowners around the city ask before booking. Need more? Call (954) 297-0317.

Is a hurricane inspection in Fort Lauderdale the same as wind mitigation?

Usually, yes. People searching for a hurricane inspection generally want this form, OIR-B1-1802, which records roof shape, attachments and opening protection for your insurer. If you really need a damage report after a storm, ask about a roof inspection instead.

Is all of Fort Lauderdale in the HVHZ?

Yes. The Florida Building Code applies the High-Velocity Hurricane Zone to Broward and Miami-Dade counties only, so every home here answers HVHZ on item 2, whether it sits on the isles or west of I-95.

How much will a wind mitigation report save me?

We don't put a number on it, because insurers decide. Section 627.0629 requires them to offer credits for qualifying features. Your agent can estimate the effect on your windstorm premium once the report is in hand.

Can a 1960s house in Imperial Point earn credits?

It can. Imperial Point dates from 1960, so the building code item will not help, but a qualifying roof shape, roof-to-wall connections and opening protection can all count. A later re-roof may also have added a sealed roof deck.

Does my Galt Ocean Mile condo need a wind mitigation report?

Usually less so than a house, because the association's master policy generally insures the structure. Some carriers still ask about openings on an HO-6 policy, so check with your agent before you book. If you need one, it can share a visit with a condo inspection.

My report is on the old form. Do I need a new one?

Any inspection on or after April 1, 2026 has to use Rev. 04/26. Citizens says it still accepts the January 2012 form when it was completed in the five years before that date and the structure is unchanged. Ask your agent what your carrier accepts.

What's the difference between this and a 4-point?

Wind mitigation documents features that can reduce what you pay. A 4-point inspection reports on the age and condition of roof, wiring, plumbing and A/C, so the carrier can decide whether to insure you. Older Fort Lauderdale homes often need both.

Often booked together