Wind Mitigation Roofing — Built for the Maximum Insurance Discount.
Every Complete Roofing install is engineered to check every roof-related box on the Florida OIR-B1-1802 form — 8d-nail deck, secondary water barrier, FBC-approved covering. We deliver the photo documentation your inspector and insurer need to approve your discount.
What's Included
Florida homeowners pay some of the highest wind insurance premiums in the country — and wind mitigation credits are the legal way to pay less. When your home qualifies across all eight categories of the state's OIR-B1-1802 Uniform Mitigation Verification form, your carrier must apply the discount. Four of those eight categories are roof-related: roof shape, deck attachment, roof covering, and secondary water resistance. Complete Roofing builds every roof in Navarre, Gulf Breeze, and Pensacola to earn the maximum credit in all four. Our 8d-nail deck attachment, fully taped-deck secondary water barrier, hip-geometry documentation, and Florida Product Approval roof covering are installed to spec and photo-documented at every step — so when a licensed wind mitigation inspector fills out your OIR-B1-1802, every box that can be checked, is.
- 8d-nail roof deck attachment — the strongest pattern on the FBC form
- Secondary water barrier (SWR) — fully taped deck seams earn full credit
- FBC-approved roof covering (GAF Timberline HDZ — Florida Product Approval certified)
- Hip-vs-gable roof-shape documentation for maximum geometry credit
- Photo log of every wind mitigation feature — dated, inspector-ready
- Coordination with your licensed wind mit inspector (GC, engineer, or certified home inspector)
- Post-install OIR-B1-1802 evidence packet delivered to your adjuster
- Typical wind-premium reduction: 20 to 30% once all roof categories qualify
Wind Mitigation FAQ
The OIR-B1-1802 is Florida's Uniform Mitigation Verification Inspection form. It documents eight construction features that reduce wind damage — roof shape, roof deck attachment, roof-to-wall connection, roof covering, secondary water resistance, opening protection, exterior wall construction, and year built. Qualifying in each category unlocks a specific insurance discount. Roof features alone can drop your wind premium by up to 30 percent.
No — Florida law limits who can sign the OIR-B1-1802 to licensed general contractors, architects, engineers, building inspectors, and home inspectors with the wind mitigation designation. As a licensed roofing contractor (FL #CCC1337480), our role is to build and document your roof to earn every available credit. We coordinate with your wind mit inspector and hand them photo-documented evidence of each qualifying feature.
Florida homeowners typically save up to 30 percent on the wind portion of their premium after a full-credit wind mitigation inspection. On a $4,000 annual premium in Navarre or Gulf Breeze, that's $800 to $1,500 per year — the inspection usually pays for itself before the first renewal, and the savings compound every year you own the home.
Not necessarily. If your existing roof is less than 15 years old, installed to current Florida Building Code, has an 8d nail deck attachment, and documented secondary water resistance, you likely already qualify. We'll do a free inspection and tell you straight — if a wind mit inspection on your current roof will unlock discounts, you won't need a replacement to capture them.
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