Florida's Revised Wind Mitigation Form (OIR-B1-1802 Rev. 04/26): What Changed

Effective April 1, 2026, Florida's mandatory wind mitigation inspection form — OIR-B1-1802 — was revised. Every admitted carrier in the state uses this same form, so the change applies universally, and the credits it documents are mandatory premium discounts that insurers are required to apply.

What the revision actually changed

• Opening protection — expanded documentation requirements covering impact-resistant windows, doors, skylights, and garage doors individually rather than as a single category.
• Roof-to-wall connection — additional classifications beyond the previous toe-nail / clip / single-wrap / double-wrap set.
• Roof deck attachment — additional classifications and more specific evidence requirements.
• FORTIFIED construction — now explicitly recognized on the form.
• Roofing systems and structural mitigation — more detailed reporting throughout.

The stated purpose is consistency: give carriers more granular information so that two inspectors looking at the same house produce the same form. The practical effect is more required evidence per inspection.

Why this is worth real money to a homeowner

A favorable wind mitigation report saves a Florida homeowner anywhere from $100 to more than $1,000 per year. The inspection itself runs $100–$150 and the form remains valid for five years. There are very few line items in a Florida household budget with that return profile.

The credits also travel with the policy. Because every admitted carrier uses the same form, a documented mitigation feature keeps producing a discount when the homeowner switches carriers — which, in the current Florida market, most of them eventually do.

Where the evidence problem shows up

Several of the expanded categories are about things on or above the roofline: geometry, deck attachment, secondary water resistance evidence, and the condition and type of opening protection on upper stories. On a single-story home with an accessible roof, an inspector documents these from a ladder.

On a two- or three-story home, on a tile or metal roof, on a steep pitch, or on anything where walking the surface risks damaging it, that becomes a different job. This is where aerial capture stops being a convenience and starts being the practical way to produce the evidence the revised form asks for — full roof geometry from directly overhead, deck and attachment detail at resolution, and every opening documented from an elevation view.

The five-year cycle is the underrated part

The form is valid for five years. Every Florida homeowner who wants to keep their credits is on a recurring documentation schedule, permanently, and the revised form asks for more at each cycle than the old one did. For a portfolio owner or an association with dozens of insured structures, that is a standing operational requirement — and one where documenting all of them in a single mobilization costs dramatically less per building than documenting them one at a time.