Wind mitigation targets the structural integrity of a house. The insurance companies target critical components of the home to reduce homeowner's insurance. In turn, the homeowner receives credit which helps to lower insurance rates. Insurance companies are required to provide a discount according to Florida Law. Structures need to pass wind mitigation for credits to apply. The wind mitigation targets roof installation and covering with permit and city passing approving the roof.  It also targets roof-to-wall ties, secondary water resistance, roof deck attachment, roof shapes, and the type of roof. For example, they check to see if you have shingles, metal, concrete, wood, or clay tile roof. Wind mitigation also targets windows, doors, and garage doors from wind-borne debris regions with HVHZ (High-Velocity Hurricane Zones).