Wind Mitigation Inspections When Selling a Florida Home

Your wind mitigation form does not automatically transfer with the sale, but showing a buyer their likely insurance discount can be a genuine selling point. Here is how to handle it as a seller.

A wind mitigation form is tied to the physical features of the home, roof shape, attachment method, opening protection, so a valid existing form does describe the property accurately regardless of who owns it. What does not transfer automatically is the insurance discount itself: the buyer's insurer will want its own copy of the form, or a fresh inspection, before applying any windstorm credit to a new policy. See our wind mitigation and 4-point inspection cost guide for what a fresh inspection runs.

Should I get an inspection before listing?

It can help. A current wind mitigation form gives a buyer, and their lender's insurance underwriter, a concrete, documented answer to "what will my windstorm premium look like here" instead of a guess, which can matter in a Florida market where insurance cost is a real factor in what buyers can afford to offer. If your home was built after 2001 you likely already qualify for the automatic minimum discount described in does a wind mitigation inspection save you money, and having that documented up front removes a question a buyer would otherwise have to chase down themselves during their own insurance shopping.

What should I hand over at closing?

Give the buyer your most recent OIR-B1-1802 form and all supporting photographs, along with any 4-point report on file if the home is over 20 years old. Both documents describe the property, not the policy, so passing them along saves the buyer an inspection cost and speeds up their own insurance shopping in a state where getting a quote can otherwise take time. One thing worth flagging to the buyer: Florida moved the form from seven questions to nine in 2026 (OIR-B1-1802, Rev. 04/26, effective April 1), so a report written before that date will not line up question-for-question with a fresh one.

What if I'm the buyer and the seller already gave me their report?

A valid report still describes the home accurately, since it is tied to the property's physical features rather than to whoever owns it, but that does not mean you can hand it straight to your insurer and expect your own discount to apply automatically. Two things are worth checking before you rely on it.

First, confirm it is still current. The OIR-B1-1802 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, per the form's own terms. If the seller's copy is older than that, or the home has had a new roof or other qualifying work done since it was completed, a fresh inspection is the safer starting point rather than the seller's paperwork.

Second, check which version of the form you were handed, since the form changed in 2026, as covered above. Citizens Property Insurance will keep accepting the earlier Rev. 01/12 form if it was completed within five years before April 1, 2026 and the structure hasn't changed, but that is Citizens' own stated policy: other insurers set their own acceptance policy, so confirm directly with your own insurer rather than assuming every carrier follows it.

Either way, submit whatever report you do have to your insurance agent as part of your own quote request. If there is no report at all, or it does not clear the checks above, ordering your own inspection before you bind your policy is how you document the features your insurer needs to see before it applies any discount.