Every wind mitigation inspections we do, built to last.
A wind mitigation inspection documents how your roof is built to resist hurricane wind, recorded on Florida's Uniform Mitigation Verification form, the OIR-B1-1802. We are licensed Florida roofers, not public adjusters, so our job is simple and honest. We inspect your roof, photograph what is really there, and complete the state form accurately so you have clean paperwork to hand your insurer. Your carrier decides any premium discount under your policy. We serve homeowners across the Greater Tampa Bay metro, including Hillsborough, Pinellas, Pasco, Sarasota, Manatee, and Polk counties. Tampa Bay homes face real hurricane exposure, salt air on the coast, and relentless heat and UV, so the features that hold a roof down in a storm matter here. We document them straight, with no inflated ratings and no pressure, because our name is our promise.
Wind Mitigation Inspections in Tampa Bay: what homeowners should know
What a wind mitigation inspection is, in plain English
A wind mitigation inspection is a documented review of how your roof and home are built to hold up against hurricane-force wind. The findings get recorded on Florida's Uniform Mitigation Verification Inspection Form, the OIR-B1-1802, which is the same standardized form every Florida carrier recognizes. You then hand that form to your insurer.
If you own a home anywhere in Tampa Bay, your agent has probably asked you for a wind mit before they would write or renew your policy. It is one of the few inspections that can actually work in your favor, because the features it records are the ones that may qualify you for a premium discount.
We are working Florida roofers, not insurance people. So our role is narrow and honest. We get on your roof, look at what is really there, photograph it, and fill out the form accurately. We do not inflate a rating to chase a discount, because the form has our name on it and our name is our promise.
The five features we document on the OIR-B1-1802
The form focuses on a short list of roof and structural attributes that decide whether your house stays buttoned up in a storm. We walk the roof, get into the attic where access allows, and record each one with photos so the paperwork stands on its own evidence rather than a checkbox.
Here is what each documented feature means and why a Tampa Bay carrier cares about it. The table below is the heart of the inspection. These are the items that move the needle on whether your home is rated as wind resistant.
Note what we are not doing. We do not assign your discount or tell your carrier what to charge. We document the features straight, and your insurer applies whatever its rating plan allows under your policy.
Why this matters so much in Tampa Bay
Tampa Bay sits in one of the most hurricane-exposed metros in the country. Every June through November, homeowners across Hillsborough, Pinellas, Pasco, Sarasota, Manatee, and Polk watch the Gulf and hope the cone stays offshore. The features on the OIR-B1-1802 are exactly the ones that decide whether a roof rides out 120-mile-per-hour gusts or peels at the edge.
On top of wind, our roofs take relentless heat and UV that ages roof cover faster than up north, and coastal homes get salt air that corrodes fasteners and flashing. All of that shows up in an inspection. A roof that was strong fifteen years ago may document differently today, which is exactly why a current form matters.
Insurance costs in Florida have climbed hard, and carriers are scrutinizing roofs more than ever. A clean, accurate wind mitigation form is one of the few tools a homeowner controls. Documenting what your roof actually has, with photos to back it, is simply good standing with your carrier.
What happens if your roof rates poorly
Sometimes the inspection turns up a roof that rates weak. Common reasons are older roof cover that predates current code, light deck-attachment nailing on older sheathing, toe-nailed roof-to-wall connections instead of clips or wraps, or no secondary water barrier. None of that is a surprise on an aging Tampa Bay home.
When that happens, we show you the photos and give you honest repair-versus-replace guidance. A targeted repair sometimes makes sense. Other times the roof is near the end of its life and a replacement is the smarter long-term move, especially since a new roof built to current Florida Building Code often documents stronger across multiple form categories.
If a new roof is the right call, we install GAF Timberline HDZ architectural shingle, TAMKO Titan XT, impact-rated Class 4 shingle, standing seam metal, and tile, all to code. You can get an instant roof estimate or look at financing through GreenSky or Ygrene. We never push a replacement you do not need.
Documentation only, you stay in control
This is the line we never cross. We are licensed Florida roofers, not public adjusters. We inspect, photograph, and complete the form. We do not file claims, we do not negotiate with carriers, and we do not manage the insurance process for you.
You submit the OIR-B1-1802 and the supporting photos to your agent or carrier. Your insurer reviews the documented features and decides any premium discount or coverage outcome under the terms of your own policy. You stay in control of your insurance relationship from start to finish.
If you also have storm damage to document, that is a different service. Our insurance documentation support covers photographing damage and providing an itemized estimate you submit yourself. Same honest principle: we document, you decide, your carrier rules on it.
Why homeowners choose Integrity Roofing
We are a family-run, licensed Florida roofing contractor (CCC1334243) founded in 2022 and serving the Greater Tampa Bay metro. We are GAF Certified and TAMKO Pro Gold Certified, BBB A+ rated, rated 5.0 on Google, and active members of BNI. We also support homeowners working through the My Safe Florida Home program.
What sets us apart on an inspection is that we have no incentive to fudge the result. We document your roof accurately and tell you the truth about its condition, whether that means it rates great, needs a small repair, or is nearing replacement. That honesty-first approach is the whole point of our name.
Ready to get your roof documented? Call (813) 388-9190, Monday through Friday 9am to 7pm or Saturday 9am to 2pm, or request a free roof inspection online. Quality you can trust, with paperwork you can hand your insurer with confidence.
The 5 roof features documented on the OIR-B1-1802
Documented feature
What it means
Why your carrier cares
Roof covering
The roof cover material and whether it meets current Florida Building Code or the older 1994 standard.
Code-compliant cover is rated to handle higher wind and is the baseline most discounts start from.
Roof deck attachment
How the plywood or board sheathing is fastened to the trusses, including nail size and spacing.
Stronger nailing keeps the deck from lifting off in high wind, a major factor in storm survival.
Roof-to-wall connection
How the roof structure ties to the walls: toe nails, clips, single wraps, or double wraps.
Clips and wraps hold the roof down far better than toe nails, so this heavily affects the rating.
Roof geometry
The overall roof shape, such as hip versus gable, measured against the total roof.
Hip roofs generally shed wind load better than gable ends and tend to rate more favorably.
Secondary water resistance
A sealed barrier under the roof cover, sometimes called SWR, that blocks water if the cover is lost.
It limits interior water damage in a storm, which some carriers reward with a discount.
Opening protection (impact-rated windows, doors, and shutters) is also noted on the form. We document only. Your carrier decides any discount under your policy.
Diagnostic
A wind mitigation inspection makes sense if
Not sure if this service is right for your situation? If any of these describe your roof, we should talk.
Your insurance agent asked you for a wind mit or OIR-B1-1802 form
You just bought a Tampa Bay home and want to document its storm features
Your current wind mitigation form is more than five years old
You recently replaced your roof and want it documented to current code
You are shopping carriers and want clean paperwork ready to submit
You think your roof may qualify for a discount but have never had it documented
Included
What every wind mitigation inspections job includes.
Licensed roofers, not salespeople
As a licensed Florida contractor (CCC1334243), we document your roof on the OIR-B1-1802 form accurately and walk away. No inflated ratings, no high-pressure pitch, no upsell.
Photo documentation of everything
We photograph your roof cover, deck attachment, roof-to-wall connections, and any secondary water barrier so your inspection is backed by evidence, not just checkboxes on a form.
You stay in control
We inspect and provide the completed form and photos. You submit them to your carrier, and your insurer makes every discount and coverage decision under your own policy. We document only.
Honest roof-condition read
While we are up there, we tell you straight whether your roof is sound, needs a repair, or is nearing replacement, with photos. We never push a job you do not need.
New-roof documentation advantage
If we replace your roof, we install to current Florida Building Code with GAF Timberline HDZ, TAMKO, or impact-rated shingle, which often documents stronger across cover and deck-attachment categories.
My Safe Florida Home support
We support homeowners working through the My Safe Florida Home program and can document the roof features that program inspections and grant work commonly look at across Tampa Bay.
Our process
How your wind mitigation inspections project actually goes.
01
Schedule the inspection
Call (813) 388-9190 or request a visit online. We confirm your address across Hillsborough, Pinellas, Pasco, Sarasota, Manatee, or Polk and book a window that works for you, weekdays or Saturday.
02
On-site roof and attic review
We walk the roof and get into the attic where access allows, recording the roof cover, deck attachment, roof-to-wall connections, roof geometry, and any secondary water barrier with close-up photos.
03
Complete the OIR-B1-1802
We fill out Florida's Uniform Mitigation Verification form accurately based on what we actually observed and documented, with the supporting photos attached so the paperwork stands on its own.
04
You submit to your carrier
We hand you the completed form and photos. You give them to your insurance agent or carrier, and your insurer decides any premium discount under your policy. We document only.
Our Work
Recent work from our crews
Real Tampa Bay roofs from recent Integrity Roofing jobs. Tap any photo to view it full size.
Reviews
Wind Mitigation Inspections customers say it best.
★★★★★
5.0on Google
Rated 5.0 on Google by verified Tampa Bay homeowners.
After receiving quotes for several roofing companies, I decided to go with a company other than Integrity Roofing of Florida. My decision was primarily based on the fact they were referred by a friend and offered a slightly lower cost. After six months, my roof was still not complete, and to make matters worse, my roof was leaking. I called Bettina at Integrity Roofing, and she determined that the company I had contracted with was not fully licensed and could not even pull a permit. I am so thankful to Bettina and the staff at Integrity Roofing. They took over the job, pulled the permit, and had the roof completed in a matter of days.
Sisi Molette
★★★★★
My roof suffered damage during Hurricane Milton. Multiple roofing companies came out and the quotes were outrageous. Some were even pressuring me to open a claim against my home insurance for the minor damage. I really enjoyed working with Integrity Roofing of Florida due to the exceptional customer care and great level of communication. They gave me a fair price and completed the work in a timely manner. Highly recommend them for your next home project.
Jacqueline Toledo
★★★★★
As a realtor in the Tampa Bay Area, I have had the opportunity to work with many roofing companies. However, I decided to use Integrity Roofing to replace my own roof as I have personally seen the quality work they have done for my clients. As picky as I tend to be, I was very happy and greatly satisfied with the end result. My roof looks beautiful. I will definitely continue to refer Bettina Savorelli and Mike Sheppard with Integrity Roofing to all of my clients.
Common questions
Wind Mitigation Inspections FAQs
How much does a wind mitigation inspection cost in Tampa?
Wind mitigation inspection pricing varies by home size and access, so we quote it before we come out. Call (813) 388-9190 for a straight number. Many Tampa Bay homeowners find that any premium discount their carrier applies more than covers the inspection, though we never promise a specific discount because that is your insurer's decision, not ours.
Will a wind mitigation inspection actually lower my insurance premium?
It might. Documented features like a code-compliant roof cover, strong deck attachment, clipped or wrapped roof-to-wall connections, and a secondary water barrier may qualify for a discount with some carriers. Every insurer weighs the form differently, so ask your agent what your specific OIR-B1-1802 qualifies for. We document accurately, but we do not set or guarantee any discount.
What is the OIR-B1-1802 form?
It is Florida's Uniform Mitigation Verification Inspection Form, the standardized document every Florida carrier recognizes. It records the specific roof and structural features that determine how well your home resists hurricane wind. We complete it based on what we observe and photograph on your roof and in your attic.
What features does the inspection document?
The form focuses on a handful of attributes: roof covering and the code it meets, roof deck attachment, roof-to-wall connection, roof geometry, and secondary water resistance. Opening protection like impact windows and shutters is also noted. See the feature table below for what each one means.
How long does the inspection take?
Most wind mitigation inspections take about 30 to 60 minutes on site, depending on roof size, pitch, and attic access. We complete the OIR-B1-1802 form and get it back to you promptly with the supporting photos attached.
How long is a Florida wind mitigation inspection good for?
In Florida, a wind mitigation form is generally accepted by carriers for up to five years from the inspection date, as long as the home has not changed in a way that affects the rated features. After a roof replacement you would typically need a new one. Confirm the exact term with your insurer.
Do you handle or file my insurance claim?
No. We are licensed roofers, not public adjusters. We inspect, photograph, and complete the form only. We do not file, negotiate, or manage claims. You submit the documentation to your carrier, you stay in control, and your insurer makes every coverage and pricing decision under your policy. See our insurance documentation support for how this works.
What is the difference between a wind mitigation and a 4-point inspection?
A wind mitigation inspection documents how well your home resists hurricane wind on the OIR-B1-1802 form. A 4-point inspection is a condition check of four systems: roof, electrical, plumbing, and HVAC. One measures storm resistance, the other measures insurable condition. Many older Tampa Bay homes need both.
Does a new roof document better on the form?
Often, yes. When we replace a roof, we install to current Florida Building Code, which can mean stronger ratings across roof covering and deck attachment and may include a secondary water barrier. We are describing how the inspection works, not promising savings. Ask your insurer how your updated form is treated.
My roof failed the inspection or rated poorly. What now?
A weak rating usually points to older roof cover, light deck-attachment nailing, or no secondary water barrier. We will show you the photos and give you honest repair-versus-replace guidance. If a new roof makes sense, you can get an instant roof estimate or explore financing, but we never push a job you do not need.
Can you do the inspection if I am buying or selling a home?
Yes. We support real estate closings across Tampa Bay, including documenting roof features for buyers and sellers. When approved in writing, we can also offer pay-at-closing on related roof work. Ask us how it fits your timeline.
Do you serve my area?
We serve the Greater Tampa Bay metro, including Hillsborough, Pinellas, Pasco, Sarasota, Manatee, and Polk counties. If you are within that footprint, we can come document your roof. Call (813) 388-9190 to confirm and schedule.
Do I need a permit for a wind mitigation inspection?
No. The inspection itself is documentation and requires no permit. Permits come into play only if you decide to do roof work afterward, like a repair or replacement, which is handled and pulled by county. We will explain that clearly if it applies to you.
Does the My Safe Florida Home program require a wind mitigation inspection?
That program uses its own inspection process, but it looks at many of the same roof and structural features. We support homeowners going through it and can document the roof attributes that program work commonly involves. Confirm program specifics through the official My Safe Florida Home channel.
Serving all of Tampa Bay
Wind Mitigation Inspections across the Tampa Bay metro
We provide wind mitigation inspections across Hillsborough, Pinellas, Pasco, Sarasota, Manatee, and Polk counties. Find your city for local roof types, permit details, and recent work.
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