Wind Mitigation Inspection Pembroke Pines, FL

Wind mitigation in the city

The Permit Date That Divides Pembroke Pines Homes on the Wind Form

Two houses a few streets apart can look the same and still answer the form differently. West Pines went up through several code editions, and these three points show why that matters.

Local field sheetPembroke Pines, FL

Sheet · Wind Mitigation

A postwar core near University Drive, a middle stretch of condos and 55+ living opened by a 1980 annexation, and lake-filled gated subdivisions west toward U.S. 27, many built after Hurricane Andrew as the population doubled in the 1990s.

County: Broward County, FL
Building code zone: High-Velocity Hurricane Zone (HVHZ)
From our office: 5.2 miles from 3610 N 65th Ave, Hollywood
Growth: Annexed from Flamingo Road to U.S. 27 in 1980. Population more than doubled from 1990 to 2000
Typical homes: Older homes near University Drive, then 1990s and 2000s gated subdivisions out to West Pines
Roofs: Tile and shingle. Whether it is original or re-roofed matters most, and permit records can show it
Condos: Century Village (gated, 55+), plus low-rise condos, villas and townhomes, all well inland
Water: Lakes through the western subdivisions. No salt-air front, but flood zones vary by address
ZIP codes: 33023 · 33024 · 33025 · 33026 · 33027 · 33028 · 33029

Neighborhoods we cover

Century Village
Chapel Trail
Silver Lakes
Pembroke Falls
Pembroke Shores
Pembroke Lakes
Pembroke Isles
Towngate
Boulevard Heights
Walnut Creek
Spring Valley
Hollybrook
Big Sky
Pasadena Lakes

Item 1 and the 1994 line
Silver Lakes and Chapel Trail grew from the early 1990s, with Pembroke Falls following from about 1996. The SFBC-94 option asks homes built in 1994, 1995 or 1996 for a permit application after September 1, 1994, so the year alone may not settle it.
Later phases, later codes
Building in Pembroke Falls ran into the 2000s, past two more date tests: a permit application after March 1, 2002 for FBC 2001 and 2004 on 2002 and 2003 homes, and after December 8, 2006 for FBC 2007 on 2007 and 2008 homes.
Finding the date yourself
Search your folio number in the city's Development HUB, which lists permits, job descriptions and inspection history back to at least 1992. That can help with Item 1, and it may show when the roof or windows were last permitted for Items 4 and 9.

Form OIR-B1-1802 · Rev. 04/26

Nine Items on a Pembroke Pines Wind Mitigation Form

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

1. Building code
FBC 2001 and 2004, FBC 2007 or later, or SFBC-94 in the HVHZ. Early 1990s subdivisions and older east-side homes often fit none of them.
Year built · permit date
2. Region
Pembroke Pines is in Broward County, so every address here answers HVHZ. No design wind speed lookup is needed for this item.
HVHZ
3. Roof slope
At least two-thirds of the main roof area, either 6:12 or steeper, or below. Multi-slope roofs on two-story homes take some measuring.
6:12 or steeper · below
4. Roof covering
Each covering in use, with its permit date or product approval. The city's online permit history helps when a previous owner left no paperwork.
Permit · approval
5. Roof deck attachment
In the attic we confirm nail size and spacing where the deck meets the trusses. The weakest attachment we can confirm goes on the form.
8d nails · spacing
6. Roof-to-wall attachment
Toenails, clips, single or double wraps, and now tested retrofit connectors if documented. Tight attics on two-story homes can limit what we can reach.
Clips · wraps · retrofits
7. Roof geometry
Hip, flat or other. Many large subdivision homes mix hips and gables, so we look at the whole roof line before we answer.
Hip · flat · other
8. Sealed roof deck (SWR)
If your roof is original, ask what is under it. Standard underlayment and hot-mopped felt do not qualify. A later re-roof may change this answer.
When it can be verified
9. Opening protection
Every window, door, skylight and garage door counts, and the weakest sets the answer. Tall entry glass or one unprotected opening can hold a home back.
Weakest opening counts

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

Roof check

Why it matters

A Wind Mitigation Inspection in Pembroke Pines, Before Renewal Comes Due

Hurricane Katrina crossed directly over the city in 2005, and Wilma's eye passed about 20 miles north that same year, with sustained winds of 92 mph officially recorded here. That kind of history is why the windstorm part of a policy carries weight. Section 627.0629, Florida Statutes, requires insurers to offer credits for features that reduce storm damage, but a feature only helps you once it is documented.

On most homes, the visit takes under an hour. Peter goes through the attic, the roof and each opening, then attaches a photo or document to Items 2 through 9. Since April 1, 2026, inspections must use Rev. 04/26, which adds the Region and Roof Slope questions. To see what a finished form looks like, read our guide to the wind mitigation report.

Rev. 04/26 form with a photo or document per item
Valid up to five years if no material changes are made
Pairs with a 4-point inspection on the same visit

Credits on documented features
Amounts vary by home and carrier. Documented connectors, roof shape and protected openings are what an insurer can act on.
Up to five years of use
One report can serve renewals and new policies, as long as nothing material changes and no inaccuracies turn up.
Closing on a house here?
Order it during your inspection period, so the insurance quote you compare reflects the house you are actually buying.
Upgraded since your last report?
New shutters, impact glass or a re-roof count only after they reach the form. Update it before renewal.

The form, item by item

Reading the OIR-B1-1802 Form on a Pembroke Pines Home

Nine items, with a photo or document behind each of Items 2 through 9. On homes here, expect the first and the last to take the most explaining.

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 Pembroke Pines Wind Mitigation Inspection Works

Find your paperwork
Look for permits, product approvals or shutter records. If you have none, the city's permit history may fill the gap.
Attic, roof, every opening
Peter photographs the framing, the covering and each window and door, item by item on the form.
Signed report, usually that day
You get the completed OIR-B1-1802 with its supporting photos, typically the same day as the visit.
On to your agent
Send the report to your insurance agent. 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 Pembroke Pines, FL

What homeowners here ask before renewal. Don't see yours? Call (954) 297-0317.

Is all of Pembroke Pines in the High-Velocity Hurricane Zone?

Yes. The city's own building pages say so, and the Florida Building Code applies the HVHZ to Broward and Miami-Dade counties only. On the current form, every address in Pembroke Pines answers HVHZ for Item 2, east of University Drive or west of I-75.

My Silver Lakes home was built in 1993. Can it claim the 1994 code?

Not on a 1993 build date. The SFBC-94 option asks for a permit application after September 1, 1994 on homes from 1994 to 1996. Your home can still earn credits for roof shape, roof-to-wall connections, a sealed deck or protected openings, if they are there and can be verified.

How do I find my home's permit date in Pembroke Pines?

Use the city's Development HUB and search by the folio number from the Broward County Property Appraiser. For older files, the Building Department's records clerk handles archived permits and plans. If you cannot find it before the visit, we note what we can verify.

How much does a wind mitigation inspection save in Pembroke Pines?

It depends on your home and your carrier, so we do not quote a figure. The insurer sets the credits once the form is in. Your agent can run the numbers with the report in hand.

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

Inspections on or after April 1, 2026 must 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 may differ, so ask your agent.

Does wind mitigation apply to my Century Village condo?

Ask your HO-6 agent first. The form covers the roof, attic and openings, and in a condo the association usually controls most of those. What it can do for your policy depends on the carrier. If yours wants one, we can complete it.

What is the difference between this and a 4-point?

The wind form records features that may earn credits. A 4-point inspection tells an underwriter what shape the roof, electrical, plumbing and A/C are in, so the carrier can decide on the policy. Many homes here, now past 20 years old, need both.

Often booked together