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Wind mitigation inspector examining hurricane strap connections between roof truss and wall plate inside a New Orleans attic

How Can a Wind Mitigation Inspection Lower Your Homeowners Insurance in Louisiana?

By Big Easy Roofing calender-blog May 19, 2026
A wind mitigation inspection documents the structural features of your home that resist hurricane damage, and Louisiana insurers are required to offer premium discounts based on those findings. Homeowners in southeast Louisiana have saved up to 65% on the wind and hail portion of their policies by verifying features like hip roof geometry, hurricane straps, secondary water barriers, and opening protection. The inspection costs $75 to $200 and pays for itself within the first policy renewal. Big Easy Roofing performs these inspections across the New Orleans metro area.

Last Updated: May 2026

Louisiana homeowners insurance premiums rank among the highest in the country, and the wind/hail portion of the policy is where most of that cost sits. What many homeowners do not realize is that their home may already have features that qualify for steep discounts, but the insurer will not apply those credits until an inspector documents them on the state-approved survey form. That is what a wind mitigation inspection does. It is not a repair. It is not a sales pitch. It is a documentation exercise that turns your home’s existing construction into real money saved on premiums. Big Easy Roofing has helped New Orleans homeowners through this process and has seen savings that justified the inspection cost many times over.

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