At a glance
- Who
- Florida homeowners who want their insurer to credit wind-resistant features.
- What
- A signed state form, OIR-B1-1802, valid for up to 5 years if nothing material changes and the form has no errors.
- When
- After you add features like impact windows, and again when the form expires.
- Where
- The form is from the Florida Office of Insurance Regulation. Your insurer reviews it.
- Why
- The form is how you show your insurer what your home has. The insurer sets the discount.
The short answer
A wind mitigation inspection checks the parts of your house that resist hurricane wind and records them on one state form. The form is the Uniform Mitigation Verification Inspection Form, number OIR-B1-1802. It is adopted by Rule 69O-170.0155 of the Florida Administrative Code.
You give the signed form to your insurer. The insurer decides what credit, if any, you get. We do not state discount percentages on this page because each insurer sets its own. The form itself warns that some items listed may not qualify for a discount.
What the form checks
The form has nine questions. In plain words, they cover:
- Building code. Which building code the home was built to.
- Wind region. The design wind speed region for the home's location.
- Roof slope and roof covering. Including the roof covering and its product approval.
- Roof deck attachment. How the roof deck is fastened.
- Roof-to-wall attachment. How the roof connects to the walls.
- Roof shape. The roof geometry.
- Sealed roof deck. Also called secondary water resistance.
- Opening protection. Windows, doors and garage doors.
For opening protection, the form asks for the weakest level of wind-borne debris protection on the home. The chart runs from Level A, which means cyclic pressure plus a 9-pound large missile test, down through B, C, D, N, X and Z. Level N includes unverified shutter systems with no documentation. Our guide on impact windows vs hurricane shutters covers that part.
Thinking about impact windows and a wind mitigation form?
Leave your name and number. We call back by the next business day to set up a free in-home visit and written estimate.
Prefer to talk now? Call or text (941) 284-2218.
Who can sign the form
The form lists the qualified inspectors under Florida Statutes 627.711(2):
- A home inspector with hurricane mitigation training.
- A building code inspector.
- A general, building or residential contractor licensed under section 489.111.
- A professional engineer.
- A professional architect.
- Another entity the insurer recognizes.
A licensed contractor or engineer may have a direct employee do the inspection. Everyone else must inspect in person. Check the inspector's license on myfloridalicense.com before you hire one.
Knowingly giving a false form to get a discount is a first-degree misdemeanor under 627.711(7). Never let anyone mark a feature your home does not have.
How long it lasts and which version to use
The form says it is valid for up to five years if no material changes have been made to the structure and no inaccuracies are found on the form. The Office of Insurance Regulation states the same five-year rule.
OIR says the form was updated effective April 1, 2026. The current version is marked Rev. 04/26, and the earlier version is marked January 2012. We could not find whether insurers still accept the 2012 version after April 1, 2026. Ask your insurer which version it wants before you pay for an inspection.
What the law says about discounts
Florida Statutes 627.0629(1) states the Legislature's intent that insurers provide savings to consumers who install windstorm mitigation techniques. Credits for features that meet Florida Building Code minimums must be included in the insurer's rate filing. Insurers must also post on their websites information describing the hurricane mitigation discounts available to policyholders. OIR says that requirement applies from October 1, 2023.
The practical step is simple: find your insurer's discount page, or call and ask which features it credits, and how you submit the form. We did not find any official percentage, so be careful with anyone who quotes one.
The state program My Safe Florida Home offers free wind mitigation inspections to eligible homeowners, but its status is unclear right now. See our My Safe Florida Home guide.
How Hildebrand handles this kind of work
Hildebrand Construction & Remodeling, LLC installs impact windows and doors in Manatee County, Sarasota County and south Hillsborough. Credits for impact windows are set by your insurer from a wind mitigation inspection on form OIR-B1-1802. We never promise a percentage or dollar saving.
We pull every required permit and meet Florida Building Code inspections. Every job is quoted after an on-site visit, with a free in-home consultation and written estimate and no trip fee. See our impact windows and doors service and our impact windows, cost and insurance guide.
Call or text (941) 284-2218, Monday to Friday, 8 AM to 5 PM.
Questions homeowners ask
How long is a wind mitigation inspection good for in Florida?
The form says it is valid for up to five years if no material changes have been made to the structure and no inaccuracies are found on the form.
Who is allowed to do a wind mitigation inspection?
The form lists a trained home inspector, a building code inspector, a licensed general, building or residential contractor, a professional engineer, a professional architect, or another entity the insurer recognizes.
How much will my insurance drop after a wind mitigation inspection?
It depends on your insurer's filed rates. We found no official percentage. Ask your insurer which features it credits and read its hurricane mitigation discount page.
What is the wind mitigation form number?
It is the Uniform Mitigation Verification Inspection Form, OIR-B1-1802, adopted by Rule 69O-170.0155 of the Florida Administrative Code. The current version is marked Rev. 04/26.
Planning impact windows or doors?
Get a free in-home consultation and written estimate from a Florida licensed contractor serving Manatee County, Sarasota County and south Hillsborough.