Florida’s New Wind Mitigation Form (Effective April 1, 2026): What You Need to Know

Key Changes to Expect

1. More Detailed & Reorganized Questions

The new form has been restructured and expanded, meaning inspectors will be gathering more specific information about the home.

👉 What this means:

• More precise classification of roof systems and features
• Less room for assumptions or “best guesses”
• Greater consistency between inspections

2. Increased Emphasis on Photo & Documentation Proof

One of the biggest shifts is the requirement for clear supporting documentation.

The new form places a stronger emphasis on:

• Photo verification
• Supporting records (permits, product approvals, etc.)
• Evidence for every marked feature

👉 Bottom line:
“If it’s not documented, it doesn’t count.”

3. Expanded Data Collection

The updated form includes additional fields and more detailed data points about construction and mitigation features.

This may include:

• More precise roof geometry and slope considerations
• Expanded roof-to-wall connection classifications
• Additional structural and opening protection details

4. Potential Changes to Insurance Discounts

Because the form is tied directly to insurance credits, updates could lead to:

• Changes in how discounts are calculated
• Possible increases or decreases in savings depending on the home
• Future updates to discount tables by insurers

👉 Important:
Not every home will be affected the same way—discounts will depend on the verified features.

5. New Form Required for All Inspections After April 1, 2026

Any wind mitigation inspection performed on or after April 1, 2026 must use the new form.

Older reports may:

• Still be valid (typically up to 5 years)
• But may not reflect updated criteria or maximize discounts

What This Means for Homeowners & Buyers

• You may need updated documentation to qualify for credits
• Older inspections might not capture all available discounts
• Accuracy and verification will be more important than ever

What This Means for Realtors & Insurance Agents

• Expect more detailed reports and longer inspection times
• Be prepared for questions about documentation and eligibility
• Encourage clients to use inspectors familiar with the new form

What This Means for Inspectors

This update raises the bar:

• More responsibility for accurate reporting
• Greater need for photo documentation
• Increased scrutiny from insurance carriers

Inspectors who stay ahead of these changes will provide more value, fewer underwriting issues, and smoother transactions.

Final Thoughts

The new 2026 wind mitigation form is a significant step toward more accurate risk assessment and fair insurance pricing in Florida.

While it may require more documentation and attention to detail, it ultimately benefits homeowners by ensuring credits are based on verified, real-world performance—not assumptions.

If you’re buying, selling, or insuring a home in Florida, make sure your wind mitigation inspection is done right—and done using the latest standards.