Florida's wind mitigation form records the features that may help your home resist hurricane winds, and insurers use it when factoring windstorm discounts. Upload your report and we will review it at no cost, or get help scheduling a new inspection.
We help Florida homeowners understand their Uniform Mitigation Verification Inspection Form and how its answers may relate to windstorm insurance discounts. We do not perform inspections, and we do not guarantee any discount, savings, or coverage. Discounts depend on your policy and insurer.
A short, focused inspection of how your home is built to handle wind, recorded on a state form.
Florida law directs the state to keep a uniform mitigation verification inspection form that all insurers use when a policyholder submits it for wind insurance discounts. It is called the Uniform Mitigation Verification Inspection Form, number OIR-B1-1802.
The Office of Insurance Regulation updated the form as OIR-B1-1802 (Rev. 04/26). It must be used for inspections on or after April 1, 2026. Inspections done before that date may be on the older 2012 version.
Florida law says residential property rate filings must include actuarially reasonable discounts, credits, or deductible reductions for features shown to reduce windstorm losses. Which ones apply, and how much, depends on your policy and insurer.
Insurers must accept the form when it is signed by an authorized mitigation inspector, such as a qualified licensed home inspector, a certified building code inspector, a licensed general, building, or residential contractor, a professional engineer, or an architect. The inspector must inspect the home personally, with limited exceptions.
The 2026 form has nine questions. Here is what each one covers, in plain language.
Which Florida Building Code (or, in Miami-Dade and Broward, the South Florida Building Code) was in force when the home was originally permitted. Some answers call for a permit application date.
The home's location based on design wind speed, shown as the High-Velocity Hurricane Zone or Region 1, 2, or 3. This item is new on the 2026 form.
Whether the main roof slope is at least 6:12 or less than 6:12. For homes with several slopes, the inspector uses the slope covering at least two thirds of the main roof. Also new on the 2026 form.
Each roof covering type in use, with a permit application date or a Florida Building Code or Miami-Dade product approval number and the year it was installed or replaced, when that information is available.
The weakest way the roof sheathing is fastened to the trusses or rafters, such as nail size and spacing, or a reinforced concrete deck. The form also has answers for unknown and for no attic access.
The weakest connection between the roof framing and the walls, from toenails to clips, single wraps, double wraps, or structural anchors.
The roof shape. The form treats a roof as a hip roof only when other roof shapes make up no more than 10% of the total roof perimeter. A flat roof answer applies only to certain buildings with five or more units. Any other shape is marked Other.
Whether there is a sealed roof deck (SWR) under the roof covering, such as a fully adhered underlayment or taped deck seams. The form says standard underlayment or hot-mopped felt does not qualify.
The weakest wind-borne debris protection on the home's openings, including windows, doors, sliding glass doors, skylights, and garage doors. The form notes that openings needing replacement do not qualify for wind mitigation rate differentials.
The form also asks for at least one photo or document for each feature marked in questions 2 through 9. A FORTIFIED Home Roof, Silver, or Gold certificate may be used to support certain items. The form itself notes that some items listed may not qualify for a discount.
According to the Office of Insurance Regulation and the form itself, a completed form is valid for up to five years, provided no material changes have been made to the structure and no inaccuracies are found on the form.
A new roof, new impact windows or shutters, or other changes to the structure can change the answers on the form. Your insurer may also verify a submitted form with its own inspection, at the insurer's expense.
Three simple steps. Educational review only. No obligation to buy insurance.
Upload your completed wind mitigation form and any photos or pages that came with it.
A licensed Florida insurance agent reads each question on the form and notes what the findings may mean for windstorm credits.
We reply within 24 hours with what we found, including any items that look incomplete, out of date, or worth asking your insurer about.
Upload it for a complimentary review. We can help you understand:
WindMitigationReview.com is a Florida wind mitigation report review service. We are not an inspection company and we do not sign mitigation forms.
Reviews are educational and complimentary. Insurance quotations, if requested, are handled separately by a licensed Florida insurance agent.
Fort Lauderdale, Florida. Call Now. Licensed Florida Agent #W286480.
The review is complimentary. There is no cost and no obligation to buy insurance.
It may. Florida law requires residential property rate filings to include discounts or credits for qualifying wind mitigation features, but whether you receive one, and how much, depends on your home, your policy, and your insurer. Some items on the form may not qualify for a discount.
Possibly. Inspections before April 1, 2026 may be on the older 2012 form, and the form is generally valid for up to five years if nothing material has changed. Citizens Property Insurance has said it will keep accepting the older form if it was completed within five years before April 1, 2026 and the structure has not changed. Other insurers may have their own rules, so check with yours.
No. Insurers must accept the form when it is signed by an authorized mitigation inspector listed in section 627.711, Florida Statutes. Knowingly submitting a false or fraudulent mitigation form to get a discount is a crime in Florida.
Yes. Florida law requires insurers to notify personal lines residential policyholders of available windstorm mitigation discounts when the policy is issued and at each renewal, and to describe their hurricane mitigation discounts on their website.
No. We may help connect you with an independent inspector. Inspectors operate independently and are solely responsible for the inspections they perform and the forms they sign.
We reply within 24 hours at the phone or email you provide.
The complimentary report review is provided for informational and educational purposes only. We do not perform home inspections, wind mitigation inspections, engineering evaluations, roofing assessments, or building code compliance reviews, and we do not complete or sign mitigation forms. Findings on a wind mitigation form are made solely by the authorized inspector who signed it.
Our review does not guarantee insurance coverage, acceptance by any insurer, eligibility for any discount or credit, premium savings, or policy issuance. Discounts, credits, and rates depend on your policy and insurer, and final underwriting decisions are made by the insurer. Your insurer may independently verify a submitted form.
We may help homeowners find independent third-party inspectors. We do not own, operate, supervise, or control inspection companies and are not responsible for the accuracy, conclusions, scheduling, or services of any inspector. You are encouraged to verify that an inspector is authorized under section 627.711(2), Florida Statutes, before hiring them.
Information on this website is not engineering, legal, tax, financial, roofing, construction, or professional inspection advice. For recommendations about your property, consult the appropriate licensed professional.
Insurance quotations, if requested, are subject to insurer underwriting guidelines, inspection requirements, eligibility, policy terms, conditions, exclusions, and availability. Coverage cannot be bound, changed, or amended through this website.
Send it to us for a complimentary review, and we will reply within 24 hours.