{"version":"1.0","type":"card","id":"6b446a8f-5cc6-4cf9-bfc1-d8d74259c0de","url":"https://stacklist.com/card/6b446a8f-5cc6-4cf9-bfc1-d8d74259c0de","title":"Wind Mitigation Inspections: The Florida-Mandated Insurance Discount","source_url":"https://www.nexgenfl.com/blog/wind-mitigation-inspection-jacksonville-fl","note":"Florida law mandates that property insurers offer discounts when homeowners document hurricane-resistant construction features — and the wind mitigation inspection is how you prove what your home has. Savings on the windstorm portion of your premium can reach up to 88%, far exceeding the cost of the inspection itself. Reports are valid for five years and can be requested as part of the due diligence process so buyers understand exactly what insurance credits they're inheriting before they close. For homes built after the 2001 Florida Building Code, the credits are often significant — and for older homes, the inspection tells you exactly what upgrades would make the biggest premium difference.\n","image":{"url":"https://ucarecdn.com/653d4121-80a4-44e4-b364-7ebefaaba8a3/-/preview/-/resize/1200x/-/quality/best/-/format/webp/","alt":"Wind Mitigation Inspections: The Florida-Mandated Insurance Discount","width":1920,"height":1080},"stack":{"id":"8f1d05d1-5979-4069-bc55-2a1d0760ee44","title":"What Home Buyers in Northeast Florida Need to Know","url":"https://stacklist.com/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44"},"created_at":"2026-06-01T14:34:05.785Z","updated_at":null,"aco":{"summary":"Wind mitigation inspections are Florida-mandated evaluations that document hurricane-resistant home features and qualify homeowners for state-required insurance discounts on windstorm premiums. The inspection uses the standardized OIR-B1-1802 form, typically costs $100-$150, and can result in average annual savings exceeding $900 for qualifying improvements.","tags":["wind-mitigation","insurance-discount","florida-homeowners","hurricane-resistant","roof-inspection","building-code"],"key_entities":[{"name":"Jacksonville, FL","type":"location","confidence":0.95},{"name":"Florida","type":"location","confidence":0.95},{"name":"South Florida","type":"location","confidence":0.85},{"name":"wind-mitigation-inspection","type":"concept","confidence":0.98},{"name":"OIR-B1-1802-form","type":"concept","confidence":0.95},{"name":"hurricane-resistant-construction","type":"concept","confidence":0.92},{"name":"Brandon Cornellier","type":"person","confidence":0.9},{"name":"Hurricane Andrew","type":"event","confidence":0.93},{"name":"2001-Florida-Building-Code","type":"concept","confidence":0.9},{"name":"Florida Office of Insurance Regulation","type":"organization","confidence":0.92},{"name":"My Safe Florida Home program","type":"organization","confidence":0.88},{"name":"Florida-Statute-627.0629","type":"concept","confidence":0.85}],"classification":"tutorial","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-06-01T14:34:12.144Z"},"token_counts":{"approximate":5228,"cl100k":4162},"content_hash":"sha256:338dbccac5c11fdc0b8093152c3226d894825d228e01444ab053d9944f240716","acp_version":"0.2","body_available":true,"body_tokens":5228,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/6b446a8f-5cc6-4cf9-bfc1-d8d74259c0de.json","html":"https://stacklist.com/card/6b446a8f-5cc6-4cf9-bfc1-d8d74259c0de","md":"/api/public/card/6b446a8f-5cc6-4cf9-bfc1-d8d74259c0de.md","stack_json":"/api/public/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44.json"}}