Wind Mitigation Inspection Miami Beach, FL

On this island

Wind Mitigation Questions Miami Beach Owners Actually Face

The form reads the same across Florida, but flat-roofed postwar buildings, 1920s houses and condo towers raise questions a suburban ranch never does.

Local field sheetMiami Beach, FL

Sheet · Wind Mitigation

A chain of barrier and man-made islands between the ocean and Biscayne Bay: 1930s apartment buildings in South Beach, MiMo garden buildings and towers in Mid and North Beach, and single-family houses on the islands.

County: Miami-Dade County, FL
Building code zone: High-Velocity Hurricane Zone (HVHZ)
From our office: 18.2 miles from 3610 N 65th Ave, Hollywood
Typical homes: 1930s apartments turned condos, MiMo garden buildings, towers, and houses on the islands
Roofs: Flat roofs on low-rise Deco and MiMo buildings, clay tile on Mediterranean Revival houses
Condos: Low-rises around Flamingo Park and in North Beach, towers on Collins Ave and at South Pointe
Water and salt: Ocean on one side, Biscayne Bay on the other. King tides still reach some low streets
Building records: County recertification filed with the city, searchable by address on its online permit portal
ZIP codes: 33139 · 33140 · 33141

Neighborhoods we cover

South Beach
South of Fifth
Flamingo/Lummus
West Avenue
Sunset Harbour
Venetian Islands
Star Island
Palm and Hibiscus Islands
Sunset Islands
Mid-Beach
Nautilus
North Beach
La Gorce
North Shore
Normandy Isles
Biscayne Point

Condo owners: ask first
In a tower, the association's policy usually insures the structure, so the form may do little for your own premium. Some HO-6 carriers may still want it, so check with your agent before you book. A condo inspection may be the report you actually need.
Flat roofs and no attic
The city calls the flat roof a signature of MiMo design, and it changes this inspection. With little or no attic to enter, deck and roof-to-wall attachment can be hard to confirm. We photograph what can be seen and will not guess at the rest.
Old windows in historic districts
Item 9 records the weakest opening, so one old jalousie can set the answer for a whole house. In a local historic district, new windows can also involve city preservation review, so ask the Planning Department before you price them.

Nine items, one form

Reading the Nine Items on a Miami Beach Property

Scroll through the form or tap a pin to see what we photograph on the roof, under it and at every opening.

1. Building code
FBC 2001 and 2004, FBC 2007 or later, or SFBC-94 for permits after September 1, 1994. Most Deco and MiMo era buildings predate all three.
Year built · permit date
2. Region
Miami-Dade is inside the HVHZ, so the answer here is HVHZ at every address, islands included, with no wind speed lookup for this item.
HVHZ
3. Roof slope
We measure whether at least two-thirds of the main roof area is 6:12 or steeper. Flat-roofed buildings land on the low side of that line.
6:12 or steeper · below
4. Roof covering
Each covering in use, with its permit date or product approval. Older re-roofs without paperwork may be traceable through the city's online permit portal.
Permit · product approval
5. Roof deck attachment
Nail size and spacing where the deck meets the framing, when we can reach it. Flat roofs and finished ceilings can block that view.
8d nails · spacing
6. Roof-to-wall attachment
Toenails, clips or wraps, plus documented retrofit connectors on the 2026 form. In a 1920s house, expect photos from wherever the hatch allows.
Clips · wraps · retrofits
7. Roof geometry
Hip, flat or other. A Mediterranean Revival house may mix a tile hip with flat sections, so we read the whole roof line before answering.
Hip · flat · other
8. Sealed roof deck (SWR)
Peel-and-stick underlayment or taped seams can qualify after a re-roof. Standard underlayment and hot-mopped felt do not, which is worth knowing on older tile and flat roofs.
When verifiable
9. Opening protection
Windows, doors, skylights and garage doors all count. Jalousies, old sliders and newer impact glass can share one house, and the weakest sets the answer.
Weakest opening counts

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

Roof check

Where the report counts

Why Miami Beach Owners Order a Wind Mitigation Report

A barrier island has no land to its east to slow a storm, so the windstorm part of a policy here tends to carry real weight. Section 627.0629, Florida Statutes, requires insurers to offer credits for construction features that reduce windstorm damage, and the form is how those features reach your carrier. A feature without a photo or document stays off the form.

Most visits take under an hour. Peter goes through what the building allows (attic or hatch, roof and openings), attaches a photo or document to each attribute in items 2 to 9, and signs the form. Inspections since April 1, 2026 use Rev. 04/26, and a report stays valid up to five years if no material changes are made and no inaccuracies are found. Our guide to reading your report goes through it line by line.

Current Rev. 04/26 form, photos attached
Good for up to five years if nothing material changes
A 4-point can be done on the same trip

Island and North Beach houses
Documented connectors, hip roofs and impact openings can reduce the windstorm portion. How much depends on the home and the carrier.
Small building owners
Ask your agent which form the carrier wants, then we document what the building actually has.
Buying before a deadline
Order it in your inspection period, with a 4-point inspection if the carrier asks, so your quote reflects the real property before you close.
Paid for a re-roof or new glass?
None of it reaches your policy until a current report shows it, so it is worth updating an old form.

The form, item by item

How Form OIR-B1-1802 Reads on a Miami Beach Address

Nine items in all. Item 1 rests on dates, item 2 is settled by the county, and the rest come down to what the roof and openings show, with a photo or document behind each attribute.

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

Inside a Miami Beach Wind Mitigation Visit

Send what you have
The year built, any re-roof or window permits, and whether the property is a house or part of an association.
Book the visit
We schedule seven days a week. Building access or gate codes can be sorted out with your manager ahead of time.
Roof, attic and openings
Peter photographs each attribute he can reach and records where access stops him, as older flat roofs can.
Form in hand
The signed form and photos usually reach you that day. Send it to your agent, who decides 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

Miami Beach Wind Mitigation FAQs

Questions owners on the beach and the islands ask. Don't see yours? Call (954) 297-0317.

Is all of Miami Beach in the High-Velocity Hurricane Zone?

Yes. The Florida Building Code applies the HVHZ to Miami-Dade and Broward counties, so every Miami Beach address, islands included, answers HVHZ on item 2 of the form.

Do I need a wind mitigation report for my Miami Beach condo?

It depends on the building and the carrier. The association's policy usually covers the structure in a tower, so your own HO-6 may not change much. Ask your agent before booking. A townhouse or small building can be a different story.

Can a 1930s house or an older apartment building still earn credits?

Yes, though not for its age, since item 1 will not help a building that old. A hip roof, documented connectors or protected openings may still count, and a more recent re-roof can bring a sealed deck with it.

Does the form account for being right on the water?

No. None of its nine items asks how close you are to the ocean or the bay. It records how the building is put together. Your carrier weighs location separately, so your agent is the person to ask about that.

My Miami Beach report is on the old form. Is it still good?

Maybe. Inspections on or after April 1, 2026 use Rev. 04/26. Citizens says it accepts the January 2012 form if it was completed within five years before that date with no changes to the structure. Other carriers set their own rules, so check with your agent.

What paperwork helps the most?

Permits or product approvals for the roof, windows and shutters. If you lack them, the City of Miami Beach Building Department's online portal may show older permits. Also clear the attic hatch, if there is one, before we arrive. Our wind mitigation guide covers the rest.

Often booked together