Insurance-adjacent · not a policy recommendation
What is a wind mitigation inspection in Florida?
A wind mitigation inspection documents construction features that can affect wind loss — using a form adopted by the Florida Office of Insurance Regulation. Insurers may use that documentation when applying discounts required under Florida law. This page explains the official form and where to verify details. It does not estimate a premium or tell you which policy to buy.
The official form
OIR publishes the Uniform Mitigation Verification Inspection Form as OIR-B1-1802. The OIR wind mitigation resources page states that the form was updated effective April 1, 2026 following a 2024 Residential Wind-Loss Mitigation Study, and that the form is valid for up to five years provided no material changes are made to the structure and no inaccuracies are found on the form.
Inspections on or after the effective date should use the current adopted revision. Ask the inspector which revision they will complete, and confirm with your insurer which version they will accept.
Who may inspect
OIR tells consumers to verify that the inspector is authorized under § 627.711(2)(a), Florida Statutes. The statute — not a directory listing — controls who may sign the form. We will not paraphrase the license classes here because they are easy to get wrong; read the current statute and your insurer’s instructions.
What homeowners are often asked to document
The form records construction attributes (for example roof covering, roof-to-wall connections, opening protection). Exact fields change when OIR revises the form. Keep:
- Permit history and product approvals for roofs, windows, and doors where you have them
- The completed OIR-B1-1802 and required photographs the inspector attaches
- Any FORTIFIED or other third-party certificates only if they are genuine and current — verify with the issuer
Roof work in Miami-Dade sits in the High Velocity Hurricane Zone of the Florida Building Code. For hiring a roofer, see the roofing quote guide and roofing listings.
Grants and programs (eligibility is not automatic)
The Florida Department of Financial Services administers My Safe Florida Home. OIR’s resource page also lists other state and federal mitigation programs. Funding, inspections, and grant amounts change. We do not publish dollar figures for grants or discounts.
Questions to ask your insurance agent
Ask your carrier or agent. Answers vary by company and by the features on the form.
This checklist is a general starting point, not a contract or legal advice. What a specific job requires may differ.
Related: homeowners insurance preparation checklist · contractor insurance to verify before repairs · hurricane hub.
Sources & verification
Factual and regulatory statements on this page are based on official government and licensing authorities. Requirements change — always confirm current details at the source.
- Florida Office of Insurance Regulation — Wind mitigation resourcesUniform Mitigation Verification Inspection Form (OIR-B1-1802), form validity, and consumer wind-mitigation resources.Source checked 2026-08-28
- The Florida Legislature — Florida Statutes § 627.711 — notice of premium discounts; inspection formWho may complete a uniform mitigation verification inspection and related notice requirements. Confirm current text.Source checked 2026-08-28
- Florida Department of Financial Services — My Safe Florida HomeState-administered hurricane mitigation inspection and grant program for eligible homeowners. Eligibility and funding change; confirm on the official site.Source checked 2026-08-28
- Florida Department of Financial Services — Licensee Search (insurance agents and agencies)Verification of Florida insurance agent and agency licensure.Source checked 2026-08-28
- Florida Building Commission — Florida Building CodeThe Florida Building Code and the High Velocity Hurricane Zone (HVHZ) that applies to Miami-Dade.Source checked 2026-08-28
Page last reviewed 2026-08-28.