What is on the New Wind Mitigation Inspection Florida?
The State of Florida is releasing a new update for the wind mitigation form starting April 1st of 2026.
The State of Florida is releasing an updated version of the Wind Mitigation Form effective April 1, 2026. This report was originally designed to help Florida homeowners save money by showing their insurance carrier how well their home, and especially the roof system, is protected against hurricane winds.
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SECTION 1. PERMIT DATE SPECIFICS
• Option B added for homes built in 2007/2008
SECTION 2. NEW SECTION “REGION” (BASED ON ASCE 7-22 MAPS)
• Region 1, Region 2, or Region 3
• 3-page documentation of wind zones on every inspection
SECTION 3. NEW SECTION “ROOF SLOPE”
• Above or below 6:12 slope
SECTION 4. ROOF COVERINGS
• Added option “Synthetic/Composite Tile”
SECTION 5. ROOF DECK ATTACHMENT
• Added “Spray Foam”
SECTION 6. ROOF TO WALL ATTACHMENT – More details added
• Added retrofit specifications for Simpson Tie Brackets when added in replacement of clips, straps and double straps.
185 lbs = Toe Nail, 386 lbs = Clip, 535 lbs = Strap, 891 lbs = Double Strap
• Option of “Connection Not Installed as Intended”
SECTION 7. No Change
SECTION 8. SWR – Expanded Section
• Breaks SWR into specific qualifying types
• Fully adhered underlayment – Rolled roofing
• Self-adhering SWR
• Double felt system
• Spray foam – entire roof deck underside covered
SECTION 9. Opening Protection
• New category “Z – Damaged openings in need of repair/replacement.”
For the first time, the updated form introduces a reporting element that could potentially work against some homeowners by affecting eligibility with a carrier or negatively impacting insurance premiums. The biggest change is the addition of roof slope classification.
If the majority of a roof has a slope of less than 6:12, this could potentially become an issue. That said, insurance carriers may not implement these changes immediately. I spoke with two carriers, Tower Hill and Trident, and neither was aware that a new form was even coming out. Because of that, the earliest impact may be seen more with Citizens policyholders, since Citizens, as the state-backed carrier, plays a major role in the development and use of these forms.
At the same time, Citizens has already made it increasingly difficult for agents to place new business with them, and they have also been requiring flood insurance in some situations even when a property is not located in a flood zone. Because of that, the practical impact of the roof slope change may be somewhat limited in the short term.
There are also some positive updates in the new form. One improvement is in how roof-to-wall attachment is documented. Instead of relying only on categories such as clip, single wrap, double wrap, or toenail, the new form appears to place more emphasis on the actual uplift resistance provided by the connection. That could benefit homeowners whose attachment methods perform better (and have applicable documentation) than the old form may have reflected.
Another change is that inspectors will now need to specify the type of secondary water resistance, if any, that is present. It will be interesting to see how carriers respond and whether different forms of SWR receive different levels of credit.
The updated wind mitigation form also now accounts for spray foam products, which is another notable addition.
Overall, the new form is mostly a more detailed version of the old one. The biggest question will be how insurance carriers choose to apply these changes, especially whether roof slope becomes a factor that negatively affects policyholders. For now, much of the real impact will depend on carrier adoption and underwriting changes over time.