Davie Wind Mitigation Inspection: How the 1802 Form Cuts Your Insurance (2026)

What Is a Wind Mitigation Inspection in Davie and How Much Does It Save?

A wind mitigation inspection documents your home’s storm resistant features on Florida’s standardized 1802 form, and state law requires insurers to credit those features. The inspection runs $75 to $150, and it commonly cuts the windstorm portion of a Davie premium by 20 to 45 percent, which for most homeowners lands between $1,000 and $3,000 a year.

What a Wind Mitigation Inspection Actually Is

A wind mitigation inspection is a focused look at the parts of your home that resist hurricane force wind. A licensed inspector documents what they find on a single state form, the Uniform Mitigation Verification Inspection Form, which everyone in the industry simply calls the 1802 form. That document is the whole point. It is valid for up to five years, and you hand it to your insurer as proof of every wind resistant feature your house already has.

This is not a courtesy discount. Under Florida Statute 627.0629, insurance companies are legally required to offer premium reductions for verified wind resistant construction. The form turns features you cannot see from the street, like how your roof deck is nailed down, into credits the carrier has to apply. Wind and storm coverage is the single largest driver of a South Florida premium, so this is the one inspection that pays you back rather than costing you.

What the Inspector Checks

The inspector grades seven areas, and each one maps to a specific credit. Knowing them tells you in advance whether your Davie home is likely to score well.

• Roof covering. Whether your shingles or tiles meet current Florida Building Code and when the roof was permitted.
• Roof deck attachment. The plywood or OSB sheathing under your roof, graded by nail size and spacing. A deck fastened with 8d ring shank nails at six inches on center resists uplift far better than older homes nailed with smaller nails spaced wider.
• Roof to wall connection. How the roof is tied to the walls, scored from weakest to strongest as toe nails, then clips, then single wraps, then double wraps. Metal hurricane straps earn the largest credit in this category.
• Roof shape. A hip roof, which slopes on all four sides, sheds wind better than a gable. A home that is more than 90 percent hip shape earns the biggest roof shape discount.
• Secondary water resistance. A sealed barrier under the roof covering that keeps water out if the shingles or tiles are torn off. On a hip roof this feature alone can be worth roughly 32 percent, and about 6 percent on other roof shapes.
• Opening protection. Impact rated glass or hurricane shutters on every window and door. Full coverage earns a meaningful credit because protected openings keep wind pressure from getting inside and lifting the roof.

You do not need every feature to benefit. Even two or three strong marks can move your premium, and the form records exactly which ones you have.

How Much It Saves on a Davie Premium

The credits apply to the windstorm portion of your policy, which in Broward County is the largest slice. Most Davie homeowners who qualify see a 20 to 45 percent reduction on that portion. On a typical premium that translates to something between $1,000 and $3,000 a year, and a fully hardened home with all seven features at the top grade can reach the upper end of that range.

Put that against the cost of the inspection and the math is rarely close. A one time fee under $150 that trims four figures off every annual renewal is one of the highest return moves a homeowner can make. Insurance is already one of the heaviest recurring lines in a Davie budget, and you can see where it sits among the rest in the cost of living in Davie, Florida breakdown. If you want the full picture of what drives your rate, the homeowners insurance guide for Davie covers the carriers and the levers beyond mitigation.

What It Costs and How to Get It Free

A private wind mitigation inspection in Broward County runs about $75 to $150. Many inspectors bundle it with a four point inspection when you are buying, which spreads the cost.

You may not have to pay at all. The state runs a program called My Safe Florida Home that provides free wind mitigation inspections to qualifying homeowners, and then awards grants that match two state dollars for every dollar you spend on approved improvements, up to $10,000. If your inspection turns up a weak spot, like missing roof to wall straps or unprotected openings, that grant can fund the fix and push your credits even higher. You can check eligibility and apply through the My Safe Florida Home program, and the state’s wind mitigation resources explain the official form and the discounts carriers must honor.

Why Davie Homes Often Qualify Well

Davie sits in hurricane and high wind territory, and the building code reflects it. After Hurricane Andrew tore through South Florida in 1992, Florida rewrote its code, and homes built to the modern standard, generally those completed after 2002, were constructed with many of the features the 1802 form rewards. Hip roofs, better deck nailing, and roof to wall straps are often already there.

That is good news across much of the Davie market, from newer construction to the gated estate communities west of Flamingo Road, where many homes went up between 1998 and 2002 and sit right in the qualifying window. Older homes can still score well after a roof replacement or a few targeted upgrades, which is exactly what the My Safe Florida Home grant is built to fund. Broward County also publishes hurricane and building resources for residents through the Broward County site.

If wind is on your mind, flood usually is too, since the two risks drive most of a Davie insurance bill. The Davie flood zones guide explains how your zone affects the other half of that cost.

When to Order the Inspection

If you already own your home, order it now, because the savings start at your next renewal and the form stays valid for five years. If you are buying, fold it into your due diligence alongside the other inspections so you walk into closing knowing your true insurance cost rather than guessing. Wind mitigation belongs on the same checklist as your other purchase expenses, which the closing costs in Davie, Florida guide lays out, and the broader buying a home in Davie, Florida walkthrough maps the full path from offer to keys.

Frequently Asked Questions

How much does a wind mitigation inspection cost in Davie, Florida?

A private inspection in Broward County runs about $75 to $150, and many inspectors bundle it with a four point inspection during a purchase. Qualifying homeowners can also get the inspection free through the state’s My Safe Florida Home program, which adds matching grants for approved improvements.

How much can a wind mitigation inspection save on my insurance?

The credits apply to the windstorm portion of your premium, the largest piece in Broward County. Most qualifying Davie homes see a 20 to 45 percent reduction on that portion, which commonly works out to $1,000 to $3,000 a year. The savings depend on how many wind resistant features your home has.

What does the wind mitigation inspector check?

The inspector grades seven areas on the state 1802 form: roof covering, roof deck attachment, roof to wall connection, roof shape, secondary water resistance, opening protection, and the roof’s age and permit. Each feature maps to a specific insurance credit, and you keep the form to show your carrier.

How long is a wind mitigation inspection good for?

The 1802 form is valid for up to five years from the inspection date, as long as you make no material change to the structure. If you replace the roof or add hurricane shutters, a new inspection can capture the upgrade and increase your credits before the five years are up.

Do older Davie homes qualify for wind mitigation credits?

They can. Homes built after 2002 were constructed to the modern code and often already have qualifying features, but older homes can still earn credits, especially after a roof replacement or added opening protection. The My Safe Florida Home grant is designed to help fund those upgrades.

Talk Through Your Davie Insurance Costs

A wind mitigation inspection is one of the few documents that reliably lowers a Davie homeowner’s biggest recurring bill, whether you already own or you are deciding what a home will really cost to carry. Knowing your likely credits before you commit is the difference between guessing at your premium and planning around it. Reach out and we will look at your home, its features, and what the 1802 form is likely to save you. If you are early in the search, the buying a home in Davie, Florida guide maps the full path.

Anthony Spitaleri

Coldwell Banker

8847 Stirling Road, Davie, Florida 33328

(954) 235-5783

Written by Anthony Spitaleri, Broker Associate with Coldwell Banker and a Davie native. More about Anthony