Florida Statute 627.0629 requires insurers to apply mandatory premium discounts for verified wind mitigation features. Homeowners completing comprehensive upgrades report average annual savings of over $900, per My Safe Florida Home program data. A cash-out refinance can fund the upgrades that unlock those savings.
Impact-rated windows, doors, and garage doors on every opening — the largest single discount category, but all-or-nothing.
A hip roof and reinforced roof-to-wall connections (clips or straps) meaningfully move the discount.
A sealed roof deck adds another layer of credit on top of roof and opening protection.
Matching grants up to $10,000 available for qualifying homeowners toward these exact upgrades.
The updated OIR-B1-1802 form became required for all inspections conducted on or after April 1, 2026.
Carriers began applying discounts based on the new form starting July 2026.
Inspections completed before April 1, 2026 generally remain valid for their full five-year window if no structural changes were made.
See how a cash-out refinance can fund hurricane hardening improvements.
See Cash-Out Refinance →Private consultation with Kelly or Ray Nadeau. We'll review your equity and the right financing structure for your project — no obligation.
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