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Wind Mitigation Reports for Florida Sellers
A wind mitigation report documents your home's storm features. It can lower a buyer's insurance premium, which makes your home cheaper to own and easier to sell.
Days to go live are business days, counted once every document required of the seller is completed and e-signed.
What to know
What the inspection checksRoof covering and its permit date How the roof deck is attached Roof-to-wall connections (clips, straps) Roof shape (hip roofs score better)…
- Roof covering and its permit date
- How the roof deck is attached
- Roof-to-wall connections (clips, straps)
- Roof shape (hip roofs score better)
- Secondary water barrier
- Opening protection: impact windows, doors, and shutters
Why it helps you sellFlorida insurers must offer discounts for qualifying wind features, and they use this standard state form to apply them. When buyers see a lower…
Florida insurers must offer discounts for qualifying wind features, and they use this standard state form to apply them. When buyers see a lower insurance quote, your home's total monthly cost drops, which can widen your pool of buyers.
Practical detailsDone by a licensed inspector, contractor, or engineer on the state form. Commonly valid for about five years if nothing changes. Often costs roughly…
- Done by a licensed inspector, contractor, or engineer on the state form.
- Commonly valid for about five years if nothing changes.
- Often costs roughly $75-$150; pricing varies.
Pair it with a 4-point inspection on older homes so buyers can get insured quickly.
Questions, answered
Does a wind mitigation report help sell my house?It can, by lowering the buyer's insurance quote and their total monthly cost.
It can, by lowering the buyer's insurance quote and their total monthly cost.
How long is a wind mitigation report good for?Commonly about five years, as long as the home hasn't changed.
Commonly about five years, as long as the home hasn't changed.
Who pays for it?Either side can; sellers often order one before listing as a selling point.
Either side can; sellers often order one before listing as a selling point.
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- 4-point inspection
- Flat fee MLS Daytona Beach
- Flat fee MLS Vero Beach
- Florida seller disclosure
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- HOA disclosure summary
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Updated October 2026. General information, not legal or tax advice.