FAQ

A wind mitigation inspection in Saint Johns evaluates four key features of your home: roof shape, roof deck attachment, roof-to-wall connections, and opening protection. The inspector documents these findings on the state-required OIR-B1-1802 form, which is the official report your insurance carrier uses to calculate any premium discounts you may qualify for.

Guardian Home Inspections provides wind mitigation inspections throughout Saint Johns, FL and the surrounding St. Johns County area. The inspection produces a completed OIR-B1-1802 report you can submit directly to your homeowner's insurance carrier to pursue available premium discounts.

Yes, both inspections can typically be completed in a single visit to your home, saving you time and reducing the cost compared to scheduling them separately. Many St. Johns County insurers require both reports, so bundling them together is a practical and popular option for homeowners.

The savings vary by insurance carrier and by the specific construction features documented in your report, but certified wind mitigation results submitted to your insurer can qualify you for meaningful premium discounts. Homes with favorable roof shape, strong deck attachment, and impact-rated opening protection tend to see the most significant reductions.

The OIR-B1-1802 is the standardized Florida wind mitigation inspection form that licensed inspectors complete after evaluating a home's wind-resistant construction features. Insurance carriers require this specific form because it provides a consistent, verifiable record of the features that qualify a home for premium credits under Florida law.

A four-point inspection evaluates the four major systems of a home — roof, electrical, plumbing, and HVAC — and is commonly required by insurance companies before they will issue or renew a policy on an older home. It gives the insurer a snapshot of the condition and age of these systems so they can assess their risk.

Even newer homes benefit from a wind mitigation inspection because the OIR-B1-1802 report formally documents the construction features your carrier needs to apply available discounts. Without the report on file, insurers typically apply no wind mitigation credits regardless of how well the home is actually built.

Guardian Home Inspections offers wind mitigation inspections, four-point inspections, and standard buyer's home inspections in Saint Johns and throughout St. Johns County. Clients purchasing a home or seeking to lower their insurance premiums can often combine multiple inspection types into one scheduled visit.

A wind mitigation inspection on a typical single-family home is generally a focused evaluation that takes less time than a full buyer's inspection, since it concentrates specifically on the roof system and exterior opening protection features. When bundled with a four-point inspection, both can usually be completed together in a single, efficient visit.

No, a wind mitigation inspection is a specialized evaluation focused solely on the wind-resistant features of your home's structure, such as roof shape, deck fastening, wall connections, and opening protection. A full home inspection covers the overall condition of the entire property, including interior systems, and serves a different purpose for buyers or sellers.