A wind mitigation inspection documents features that may qualify for insurance discounts. The insurer determines the applicable credit; neither an inspection nor a retrofit guarantees a fixed saving.
Reviewed and corrected October 5, 2026. Original publication date retained.
Ask for the actual insurer review
Florida Statute 627.711 requires notice of available mitigation discounts and provides rules for authorized inspectors and the verification form. Obtain the insurer’s approved form and acceptance requirements before scheduling an inspection.
Separate the grant from the insurance discount
Section 215.5586 generally matches $2 from the state for each $1 from the applicant, up to $10,000 in state funding. Eligible low-income applicants may receive up to $10,000 without a matching contribution. That does not establish the resulting insurance premium.
Check all eligibility conditions
The grant statute includes inspection eligibility, an insured home value of $700,000 or less, construction before January 1, 2008, a program inspection within the preceding 24 months, and low- or moderate-income eligibility. It also requires final inspection and other commitments. Funding is subject to appropriations and is not an entitlement.
A hypothetical matching example
On an eligible hypothetical $15,000 project under the standard matching structure, a $10,000 state contribution leaves $5,000 for the homeowner. On a $20,000 project with the same capped contribution, the homeowner’s share is $10,000. Confirm approval and reimbursement requirements before relying on either illustration.
Frequently Asked Questions
Is the maximum grant guaranteed?
No. Eligibility, available funding, approval and project requirements apply.
Will the inspection reduce my bill by a fixed percentage?
No. Request a written insurer calculation for the documented features.
Talk with our team
Contact MVP Home Group to discuss the property and the next step that fits your plans. For legal, tax, loan or insurance questions, obtain advice from the appropriate qualified professional.
About MVP Home Group
Nelson Cruz, P.A. is the Founder & CEO of MVP Home Group, brokered by Real Broker LLC. He brings nearly two decades in law enforcement to his work in real estate. Contact our team through Nelson’s profile.