OIR-B1-1802 Explained: The Florida Wind Mitigation Form, Question by Question

The Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is the exact document your insurer uses to price your windstorm discount. We read the form itself and Florida's insurance statutes to explain what every question actually asks.

OIR-B1-1802, formally the "Uniform Mitigation Verification Inspection Form," is the single document Florida's Office of Insurance Regulation adopted so every insurer would score wind mitigation features the same way. It has nine questions, and your discount is built from the answers. This walkthrough is drawn directly from the current OIR-B1-1802 form (Rev. 04/26, adopted by Rule 69O-170.0155, F.A.C.) and Florida's insurance statutes.

The revision matters. OIR approved a rewritten form that must be used for inspections conducted on or after April 1, 2026, and it added two questions the previous Rev. 01/12 form did not have. Per the Florida DFS consumer guide (July 2026), inspections conducted before that date may still use the old seven-question form, and a completed form of either vintage stays valid for five years provided no material changes are made to the structure and no inaccuracies are found. This page describes what each question is asking, not a guaranteed discount amount, since insurers set their own discount tables from the same answers.

How to cite this page

Wind Mitigation Florida, "OIR-B1-1802 Explained: The Florida Wind Mitigation Form, Question by Question," windmitigationflorida.com, 2026. Sourced from the Florida Office of Insurance Regulation's OIR-B1-1802 form and Florida Statutes 627.0629 and 627.711.

Question 1: Building code compliance

The inspector records which building code was in force when the original permit was applied for: the FBC 2001 and 2004 (answer A), the FBC 2007 or later (answer B), or, for Miami-Dade and Broward only, the 1994 South Florida Building Code (answer C). Homes built in 2002 or 2003 need a permit application dated after 3/1/2002, homes built in 2007 or 2008 need one dated after 12/8/2006, and HVHZ homes built in 1994 through 1996 need one dated after 9/1/1994. Anything else is answer D, "unknown or does not meet the requirements". This single answer is the biggest lever on the form: per the Florida DFS consumer guide, homes that clear this bar are "automatically eligible for a minimum 68% discount on the windstorm coverage of the premium," before any other feature is even scored, because the code itself already mandates upgraded roof covering, roof attachment, and roof-to-wall connections. See our full credit reference table for what the other eight questions qualify for.

Question 2: Region (new in Rev. 04/26)

The inspector records which design-windspeed region the home sits in, read off ASCE 7-22 (700-year MRI) Risk Category 2 via the ASCE hazard tool: the HVHZ, Region 1 (140 mph or greater), Region 2 (130 to 139 mph), or Region 3 (under 130 mph). It is a lookup rather than a judgment call, since your address decides it, but it now travels on the form, so the same set of mitigation features can be priced differently in different parts of the state.

Question 3: Roof slope (new in Rev. 04/26)

The shortest question on the form: is the main roof slope 6:12 or steeper, or shallower than 6:12? For a single-family home with more than one slope, the inspector reports the slope covering at least two thirds of the main roof area.

Question 4: Roof covering

The inspector records every roof covering type in use on the home (asphalt or fiberglass shingle, concrete or clay tile, metal, built-up, membrane, or other) and, for each one, either a permit application date or an FBC/Miami-Dade product approval number together with the year of original installation or replacement, or marks that no information was available to verify compliance. A roof covering with no documentation at all scores at the bottom of this question, which is why keeping your roofing permit or product-approval paperwork matters even years after the job is done.

Question 5: Roof-deck attachment

Scored from inside the attic, and rewritten in Rev. 04/26. The form grades the weakest fastening found anywhere on the roof deck. Answers A, B and C are all plywood or OSB sheathing of at least 7/16 inch on trusses or rafters spaced no more than 24 inches on centre, separated by how that sheathing is nailed; answer D is a reinforced concrete roof deck; answer E is qualifying spray foam with an uplift resistance of 110 PSF. The old form's bottom tier of staples and 6d nails is gone. "Unknown or unidentified" and "No attic access" remain answers in their own right, which is one reason inspectors need attic access to give you full credit rather than a default low tier.

Question 6: Roof-to-wall attachment

Also scored from the attic, this question grades how the roof is tied to the top of the walls: toenails, clips, single wraps, double wraps, or a structural connection, meaning anchor bolts structurally connected or a reinforced concrete roof. "Other", "unknown or unidentified" and "no attic access" are also available. The form grades the weakest connection found anywhere on the roof rather than the average, so a single toe-nailed truss can cap the whole home's score on this question.

Question 7: Roof geometry (shape)

Three answers. A hip roof, with no other roof shapes exceeding 10% of the total roof system perimeter, is the strongest, and the inspector writes in both the non-hip length and the total perimeter so the arithmetic is visible. "Flat roof" is a defined category rather than a catch-all: a building of five or more units where at least 90% of the main roof area has a slope shallower than 2:12. Everything else, gables included, is "other roof". The Florida DFS guide describes the ranking plainly: a hip roof "is the most wind resistant roof shape."

Question 8: Sealed roof deck / secondary water resistance (SWR)

Renamed and broadened in Rev. 04/26, and worth re-reading if you were told years ago that your roof did not qualify. A sealed roof deck is a supplemental barrier that keeps water out if the roof covering itself is lost in a storm. Four things now count: a fully adhered polymer-modified bitumen underlayment complying with ASTM D1970; taped deck seams, using a strip of at least 3.75 inches of self-adhering ASTM D1970 membrane or AAMA 711 Level 3 flashing tape; a double layer of felt or synthetic underlayment with no tape; or qualifying spray foam. Standard underlayment and hot-mopped felts still do not qualify.

Question 9: Opening protection

The most detailed question on the form. It covers every opening in the wall and roof, including windows, doors, sliding glass doors, skylights and garage doors, but not gable vents or other roof vents, and rates them on a lettered scale running from verified cyclic-pressure and large-missile testing at the top down to X, no wind-borne debris protection, at the bottom. The form grades the weakest glazed opening for the main score, so a single unprotected bathroom window or an unprotected garage door can drop the whole house out of the top credit tier. Rev. 04/26 adds a hard gate on top of that: all openings must be in good condition, and a building with openings that need replacement does not qualify for wind mitigation rate differentials at all, regardless of the presence or absence of other features.

What has to be attached to the form

Any documentation used to validate a construction or mitigation attribute must accompany the form, and at least one photograph or document providing proof is required for each attribute marked in questions 2 through 9. Rev. 04/26 adds an alternative: a FORTIFIED Home Roof, Silver or Gold certificate may be used to validate the attributes marked in questions 4 through 6 and questions 8 through 9, with the certificate type checked on the form and a photocopy attached.

Who can sign the form, and how long is it valid?

Florida law names five licensed categories who can sign: home inspectors licensed under Florida Statute 468.8314 with hurricane-mitigation training, certified building code inspectors, licensed contractors, professional engineers, or licensed architects, per Florida Statute 627.711(2)(a). The same statute also lets an insurer accept the form from any other individual or entity it recognizes as possessing the necessary qualifications, at the insurer's discretion. Once signed, the form is valid for up to five years unless the structure materially changes or an inaccuracy is found. Knowingly submitting a false form is a criminal offense under Florida Statute 627.711(4) through (7), a line printed directly on the form itself.