What is a wind mitigation inspection in Florida?
A Florida wind mitigation inspection is a documented review of your home's wind-resistant construction features on the Uniform Mitigation Verification Inspection Form (OIR-B1-1802), which your insurer uses to apply windstorm premium discounts. The form stays valid for up to five years if nothing material changes.
Homeowners often confuse this with an "is my roof done" walk. One scores construction features for discounts. The other tells you repair versus replace. You may need both.
What the form actually records
- Roof covering documentation, roof shape, roof-to-wall connections, roof deck attachment, secondary water resistance, and opening protection
- Features used by insurers to apply windstorm premium discounts under section 627.0629, Florida Statutes
- Citizens’ wind-loss mitigation guide notes the form verifies construction features and is not acceptable proof of roof condition or replacement by itself
Form update you should know about
- In June 2024, Applied Research Associates, Inc. (ARA) completed a Residential Wind-Loss Mitigation Study, named on Florida OIR’s wind mitigation resources page
- As a result, OIR updated OIR-B1-1802 effective April 1, 2026
- Inspections on or after that date use the revised form
- Either vintage stays valid for up to five years if no material changes are made and no inaccuracies are found
Who can inspect
Under Florida Statutes section 627.711(2)(a), insurers must accept a uniform mitigation verification form signed by a qualifying home inspector, building code inspector, general, building, or residential contractor, professional engineer, professional architect, or another individual or entity the insurer recognizes. Specialty roofing contractors are not listed by name in that subsection. The roofer we match you with does the condition inspection; ask your agent who they accept for the OIR-B1-1802.
- OIR tells consumers to verify that the inspector is authorized under section 627.711(2)(a)
- Knowingly providing or uttering a false or fraudulent mitigation verification form to get a discount you are not entitled to is a first-degree misdemeanor under section 627.711(8)
What your wind mitigation discount looks like
- Your insurer must describe available hurricane mitigation discounts on its website (section 627.0629)
- OIR publishes discount range forms (OIR-B1-1699 / 1700), but your actual credit comes from your carrier’s filed table
- Ask your agent for a quote with and without the features on your completed form before you spend money chasing a discount
How this differs from My Safe Florida Home
- My Safe Florida Home uses its own contracted inspectors for a free wind mitigation inspection that can lead to a grant
- An OIR-B1-1802 wind mitigation inspection is what most private insurers want for premium credits
- Completing one does not automatically enroll you in the grant program
Next step
If your renewal letter mentions roof age or condition, get a documented roof inspection first so you know whether the covering is still sound. Then ask your agent whether a fresh OIR-B1-1802 is worth ordering. TruShield matches Volusia and Flagler homeowners with local licensed roofers for the condition walk and photos. Take the roof quiz or call 386-999-4616.
Sources
- Florida OIR wind mitigation resources (forms and April 1, 2026 update)
- OIR-B1-1802 Uniform Mitigation Verification Inspection Form (PDF)
- Florida Statutes § 627.711 (mitigation verification / inspector rules)
- Florida Statutes § 627.0629 (windstorm mitigation discounts)
- Citizens Wind Loss Mitigation Guide (form is not roof-condition proof)