Wind Mitigation Inspections Miramar, FL

Dates on the form

The Permit Cutoffs That Run Through Miramar

Item 1 treats certain build years differently, and each wave of west side building lands near one of those lines. If your home was built in a listed year, the permit application date decides the answer.

Local field sheetMiramar, FL

Sheet · Wind Mitigation

Concrete homes from the 1950s and 1960s near the original city limits, then master-planned lake communities from the 1990s and 2000s running west toward the Everglades, with townhomes and gated low-rise condos mixed in.

County: Broward County, FL
Building code zone: High-Velocity Hurricane Zone (HVHZ)
From our office: 6.4 miles from 3610 N 65th Ave, Hollywood
Typical homes: 1950s and 1960s concrete homes in the east, master-planned lake communities from the 1990s on in the west
Roofs: Flat roofs on the city's first homes. Later subdivisions mix tile and shingle, so confirm by address
Attached homes: Townhomes, villas and gated low-rise condos, with few towers. Some communities are listed as 55-plus
Water: Lakes and canals, mostly South Broward Drainage District. Inland, with less salt air than the coast
Code and limits: HVHZ, like all of Broward. City limits run from US 441 to the Everglades Conservation Area
ZIP codes: 33023 · 33025 · 33027 · 33029

Neighborhoods we cover

Historic Miramar
Miramar Isles
Miramar Park
Silver Lakes
Silver Shores
Monarch Lakes
Sunset Lakes
Riviera Isles
Huntington
Nautica
Sunset Falls
Silver Falls
Avalon
Villages of Renaissance
Miramar Town Center

Built in 1994, 1995 or 1996
Recent Silver Lakes sales cluster around 1993 to 1996. The SFBC-94 option exists only in the HVHZ, and homes from those three years need a permit application after September 1, 1994 to use it. Two neighbors on one street can end up with different answers.
Built in 2002, 2003, 2007 or 2008
Monarch Lakes listings run from about 1999 to 2003. A 2002 or 2003 home needs a permit application after March 1, 2002 for the FBC 2001 and 2004 option. Homes from 2007 or 2008 need one after December 8, 2006 for FBC 2007 or later.
Old plans may be gone
The city says it is unlikely to hold plans or blueprints for homes built more than 10 years ago. That makes your closing file, any permit record and our attic photos more valuable. Try the city's permit portal or the Building Division counter at 2200 Civic Center Place before the visit.

Form OIR-B1-1802 · Rev. 04/26

The 9 Items on a Miramar Wind Mitigation Form

Follow the form from top to bottom, or tap a pin, to see what gets documented at your roof, attic and openings.

1. Building code
FBC 2001 and 2004, FBC 2007 or later, or the HVHZ-only SFBC-94. The permit application date settles the close calls on 1990s and 2000s homes here.
Year built · permit date
2. Region
Miramar sits in Broward, so every address from US 441 to the Everglades edge answers HVHZ. The design wind speed lookup used elsewhere does not decide this one.
HVHZ
3. Roof slope
Is at least two-thirds of the main roof area 6:12 or steeper? Complex roofs on larger two-story west side homes take more measuring to answer.
6:12 or steeper · below
4. Roof covering
All covering types in use, with permit dates or product approvals. A re-roof permit helps a lot when the seller's file is thin.
Permit · product approval
5. Roof deck attachment
Nails and spacing are read inside the attic, where the sheathing meets the trusses. Low clearance in a two-story home can limit what we can confirm.
8d nails · spacing
6. Roof-to-wall attachment
Toenails, clips, single wraps or double wraps, photographed at the wall. The 2026 form also has performance-based options for tested retrofit connectors, useful on older east side homes.
Clips · single · double wraps
7. Roof geometry
Hip, flat or other. The city's first homes went up with flat roofs, and later subdivisions can mix hips and gables, so we read the whole outline.
Hip · flat · other
8. Sealed roof deck (SWR)
Check this one after a re-roof. A qualifying sealed deck can be added at that point, but standard underlayment and hot-mopped felt do not count.
When verifiable
9. Opening protection
Windows, doors, skylights and garage doors all count, and the weakest one sets the answer. One unprotected slider facing the lake can outweigh a house full of impact glass.
Weakest opening counts

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

Roof check

Why owners order it

Why a Miramar Wind Mitigation Report Is Worth Updating

Section 627.0629, Florida Statutes, requires insurers to offer credits for construction features that reduce windstorm damage. Nothing on the form counts until someone documents it, and each attribute in items 2 through 9 needs a photo or document. Where homes have changed hands several times since the 1990s, the report you inherited may not describe the house you own today.

Since April 1, 2026, inspections must use Rev. 04/26, which adds the Region and Roof Slope items. A report stays valid up to five years if no material changes are made to the structure and no inaccuracies are found. If you have re-roofed or added shutters since your last form, a new one is how those changes reach your insurer.

Rev. 04/26 form, with a photo or document for items 2 to 9
Valid up to five years if nothing material changes
Easy to pair with a 4-point in one visit

Credits under Florida law
Insurers must offer them for qualifying features. Your carrier decides what applies, so we make no promises on amounts.
A re-roof changes the form
Replacing the roof can change several answers at once. Our guide to reading a wind mitigation report shows where.
Buying in a master plan
Order it during your inspection period, so the quote you compare reflects this house, not the model next door.
Townhome owners
Have the association's roofing paperwork ready for the visit, since it may hold the permit dates you are missing.

Your report, explained

Reading the OIR-B1-1802 Form for a Miramar Home

Nine items, in a fixed order. Items 2 through 9 each need a photo or document, which is why we photograph as we go instead of relying on anyone's memory of the roof job.

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 Miramar Wind Mitigation Inspection Works

Find your dates
Look for roof, window and shutter permits before we arrive. If you cannot find them, we can still start.
Attic, roof, openings
Peter photographs the framing, the roof covering and each opening, on one floor or two.
Form signed, usually same day
The completed OIR-B1-1802 and its photos normally reach you on the day of the visit.
Pass it to your agent
Your insurance agent reviews it, and your carrier 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

Wind Mitigation FAQs for Miramar, FL

What homeowners here ask about the form. Have another question? Call (954) 297-0317.

Is all of Miramar in the High-Velocity Hurricane Zone?

Yes. The Florida Building Code applies the HVHZ to Miami-Dade and Broward counties, so every Miramar address answers HVHZ on item 2, including homes out past US 27 at the Everglades edge.

My Silver Lakes home was built in 1995. Does it qualify for SFBC-94?

It depends on the permit. Homes built in 1994, 1995 or 1996 need a permit application after September 1, 1994 to use that option. If the date is not in your file, try the city's permit portal or the Building Division before the visit. On the Pembroke Pines side, ask that city's building department.

Can Miramar give me my original plans for the form?

Probably not, if the home is more than 10 years old. The city says it is unlikely to have plans or blueprints that far back. We document attachments from the attic, and a permit date can come from your records or the city's permit system.

How much can wind mitigation save me in Miramar?

We do not quote amounts. Section 627.0629 requires insurers to offer credits, but your home, your policy and your carrier set what you actually get. Your agent can run the numbers once they have the completed form.

Can a townhome get its own wind mitigation report?

Your insurer decides how it uses the form, but a townhome can be documented on it. Association records may hold the re-roof permit, so ask the management company before the visit.

My report is on the 2012 form. Do I need a new one?

Inspections on or after April 1, 2026 must use Rev. 04/26. Citizens says credits are unchanged for now and it accepts the January 2012 version if completed within five years before that date, with no changes to the structure. Other carriers may differ, so check with your agent.

How is this different from a 4-point?

This form records hurricane features for credits. A 4-point inspection reports the condition of the roof, electrical, plumbing and A/C, so the carrier can decide on the policy. A lot of 1990s and 2000s Miramar homes now need both.

Often booked together