- Windstorm credit cap
- Up to 88%
- Statutory ceiling on the windstorm portion of premium under FS 627.0629 — the ceiling, not a typical result.
- Roof covering wind rating
- 150 mph
- GAF Timberline HDZ, the code-compliant covering we install — it answers the form's roof-covering question, one of five roof-system features scored.
- Roof-system features on the form
- 5
- Of nine questions on the current OIR-B1-1802 (Rev. 04/26, effective April 1, 2026), five score roof-system mitigation features — two of those are structural, unchanged by a re-roof.
- Ring-shank deck nails
- 8d
- Deck attachment spec on a tighter nailing pattern — one of the highest-value credits in the roof system.
How wind mitigation credits actually work
A new roof is the fastest way to improve that score, because most of the highest-value features live in the roof system. The credit is capped at up to 88% of the windstorm portion of premium — that's the ceiling, not a typical result, but even a partial credit on a Gulf-Coast wind premium adds up quickly.
This page covers the inspection and the form. For the full money map — realistic dollar ranges, the modern-code roof covering credit, the optional roof-deductible credit, and the new 2026 impact-window tax refund — see our guide to every real Florida roof insurance discount.
“Most of the wind-mitigation score is decided in a single day on the roof — how the deck gets fastened, whether we tape it. I don't treat those as upgrades to sell later. We build every roof to score as high as the structure allows, then photograph it so the inspector has proof.”
The roof features that earn the credits
| Roof feature | What it is | Why it earns a credit |
|---|---|---|
| Roof covering | Shingles or panels that meet the current Florida Building Code — we install GAF Timberline HDZ rated to 150 mph. | A code-compliant covering is far less likely to blow off, which is the most common windstorm claim. |
| Roof deck attachment | How the plywood deck is fastened to the trusses — 8d ring-shank nails on a tighter nailing pattern. | Ring-shank nails resist withdrawal far better than smooth nails, keeping the deck on in high wind. |
| Secondary water barrier | A sealed or fully taped roof deck under the underlayment. Standard on every roof we install. | If the covering does come off, the taped deck keeps water out of the house — limiting interior loss. |
| Roof-to-wall connection | Metal clips, straps, or wraps tying the roof structure to the walls. Structural — usually not changed by a re-roof. | Straps and wraps score higher than toe-nails because they resist uplift of the whole roof structure. |
| Roof geometry | The shape of the roof. A hip roof (sloped on all four sides) scores best. Structural — a re-roof does not change it. | Hip roofs shed wind from every direction, so they take less uplift than gable ends. |
Credits are applied by your insurer under FS 627.0629 based on a licensed inspector's OIR-B1-1802 report. Actual savings vary by carrier, home, and policy — we can't promise a figure.
These aren't upgrades we upsell — a fully taped deck (secondary water barrier), double synthetic underlayment, and code-exceeding attachment are standard on every Complete Roofing job. We build and photo-document each install to earn the maximum credit your home's structure qualifies for. See our wind mitigation roofing page for the full spec.
How My Safe Florida Home can help pay for it
For the full breakdown of what the grant covers, who qualifies in 2026, and whether you need a special contractor, see our My Safe Florida Home roof guide. Whether or not grant funds are open, the wind-mitigation credits under FS 627.0629 apply to any qualifying roof, and $0-down roof financing can bridge the gap. This page is general information, not legal or insurance advice — verify specifics with your agent, your carrier, and the official My Safe Florida Home program.
Insurance credits are only half the reason
For the rules on roof age and staying insured, see Florida roof age & insurance, and for the full picture of coverage and claims, start at our Florida roof insurance hub.