New OIR-B1-1802 Form April 2026: What Changed and How It Affects Your Wind Mitigation Credits
Florida's wind mitigation inspection form was revised in April 2026. Your existing report is likely still valid โ but certain homeowners may qualify for higher credits under the updated classification criteria. Here's everything you need to know.
What is the OIR-B1-1802 Rev. 04/26 and what does it mean for Florida homeowners?
What Is the OIR-B1-1802 Form?
The OIR-B1-1802 is the standardized Florida wind mitigation inspection form required by the Florida Office of Insurance Regulation (FLOIR). It is the document that connects your home's physical hurricane-resistant features to your insurance premium. Under Florida Statute 627.0629, all residential property insurers in Florida are legally required to apply premium credits based on what the OIR-B1-1802 documents โ and they cannot deny credits for features that are properly documented.
The form is completed by a licensed inspector who physically evaluates five categories of your home's construction. Once signed and submitted to your insurer, it triggers a mandatory recalculation of your wind premium with credits applied for each qualifying category. A completed report is valid for five years from inspection date.
The five categories scored on the form are:
- Roof Covering โ material type, FBC product approval, installation method
- Roof Deck Attachment โ nail type, nail size, spacing pattern on roof sheathing
- Roof Shape โ hip, gable, flat or other configuration
- Roof-to-Wall Connections โ toe nails, clips, wraps, or structural anchors
- Opening Protection โ impact glass or rated shutters on windows, doors, skylights, and garage doors
The Florida OIR periodically revises the form to align with updated Florida Building Code standards and to address inconsistencies in how inspectors document and classify features. The most recent revision โ Rev. 04/26 โ became effective April 2026 and is available at floir.com.
What Exactly Changed in the OIR-B1-1802 Rev. 04/26?
The April 2026 revision addressed three primary areas of the form. The changes are not cosmetic โ they reflect alignment with the 2023 Florida Building Code cycle and address documented inconsistencies in how prior form versions were being applied in the field.
Is My Existing Wind Mitigation Report Still Valid?
This is the question most Pinellas County homeowners have after hearing about the April 2026 form revision. The answer depends on when your inspection was completed and whether your home's features have changed since then.
What's Your Situation?
Which Homeowners Are Most Likely to Gain Higher Credits Under Rev. 04/26?
The April 2026 revision does not broadly reclassify all homes โ but it creates specific scenarios where a new inspection on the updated form is likely to produce better credit outcomes than an existing report on prior versions. The four homeowner profiles most likely to benefit:
Homes with ring-shank nail roof deck attachment documented on older criteria
The Rev. 04/26 aligns ring-shank nail classification with 2023 FBC specifications. Homes whose deck attachment was documented under prior criteria using older spacing or nail-size thresholds may now qualify for a higher credit tier under the updated specifications โ meaning the same physical nailing pattern that earned a lower credit before may earn a stronger credit now, if the inspector documents it correctly under Rev. 04/26.
Why: Deck attachment criteria updated to 2023 FBC standardsHomes with mixed opening protection (some impact glass, some rated shutters)
Prior form versions lacked clear classification guidance for homes that protect openings with a combination of impact glass on windows and rated shutters on other openings. Inspectors often classified these inconsistently, sometimes placing homes in a lower tier than warranted. The Rev. 04/26 clarifies the classification logic for mixed-protection scenarios, which may allow certain homes to reach the maximum opening protection credit tier they couldn't before.
Why: Opening protection tier logic clarified for mixed-product scenariosPost-2002 homes with roofs installed under older FBC approval formats
The Rev. 04/26 updates the mapping between older FBC product approval code formats and current credit tier classifications. Homes with roofing products approved under prior FBC cycles that weren't clearly mapped to current tiers may now qualify for stronger roof covering credits under the explicit updated mapping in the new form.
Why: Roof covering FBC product approval codes updated to current formatAny home where attic access limitations previously prevented full connection documentation
Prior form versions had limited formal accommodation for situations where attic access was restricted during an inspection, sometimes resulting in conservative (lower) default classifications for roof-to-wall connections. The Rev. 04/26 requires inspectors to formally document attic access conditions, creating a clearer pathway for homeowners to address access issues and obtain accurate connection classifications in follow-up inspections.
Why: Attic access documentation now formally requiredUse SaferHome.AI's free fortification score to see your home's current wind mitigation profile and estimate whether a Rev. 04/26 inspection is likely to produce better credit outcomes for your specific address before you invest $100โ$150. Available for Pinellas County at saferhome.ai/get-my-score.
How the OIR-B1-1802 Rev. 04/26 Affects Pinellas County Homeowners
Pinellas County's housing stock creates specific exposure to both the deck attachment and opening protection changes in Rev. 04/26. The county's mix of pre-2002 and post-2002 construction, high rate of renovation activity, and above-average use of mixed opening protection products (many homeowners have added impact windows on some openings but retained original garage doors or skylights) means a disproportionate share of Pinellas homes fall into one of the "may benefit" categories above.
Three Pinellas County patterns worth knowing:
- Post-2002 homes with FBC roofs but older inspection reports: If your roof was installed between 2002 and 2018 and your last inspection used a prior form version, the updated FBC product approval mapping in Rev. 04/26 may reclassify your roof covering into a higher credit tier. A new inspection is worth evaluating if your report is more than 2โ3 years old.
- Pinellas homes with impact windows but non-rated garage doors: The Rev. 04/26 opening protection clarifications particularly benefit homeowners in this category โ because prior forms sometimes placed these homes in an ambiguous middle tier. Under Rev. 04/26, the classification logic for partial protection scenarios is more clearly defined. However, the fastest path to the maximum credit remains simply installing a wind-rated garage door (see our hurricane hardening upgrades guide).
- St. Petersburg and Clearwater older-stock homes with ring-shank nails from 2005โ2015 re-roofing: A significant wave of reroofing occurred in Pinellas County following the 2004โ2005 hurricane seasons. Many of these homes received ring-shank nail installations that may have been documented under prior form criteria. The Rev. 04/26 deck attachment updates are directly relevant to this cohort.
SaferHome.AI's fortification score aggregates Pinellas County permit history and property records to identify which homes are most likely to benefit from a Rev. 04/26 inspection โ providing a pre-inspection estimate before you spend anything.
Inspector Obligations Under Rev. 04/26
If you are a licensed inspector, insurance agent, or homeowner working with an inspector, the April 2026 revision creates clear obligations that affect every inspection completed after the effective date.
What Licensed Inspectors Must Do
- Use the Rev. 04/26 form version for all inspections completed on or after the April 2026 effective date โ prior form versions are not acceptable for new inspections
- Apply the updated deck attachment classification criteria aligned with 2023 FBC specifications when documenting nail type, size, and spacing
- Follow the clarified opening protection tier logic for mixed-product scenarios โ impact glass and rated shutters may both be documented within the same inspection using the updated guidelines
- Document attic access conditions in the required notation fields โ including any limitations that prevented full connection verification
- Use current FBC product approval code formats when documenting roof covering โ the Rev. 04/26 mapping table should be applied to translate older approval codes
- Sign the completed form under their active Florida license number โ the license type must be one qualifying under Florida Statute 468 or equivalent
Homeowners should verify that any inspection completed after April 2026 references "Rev. 04/26" in the form header. If you receive a report on a prior version for a post-April 2026 inspection, ask your inspector to confirm whether reissuance on the current form is necessary before submitting to your insurer. The Florida OIR maintains guidance for inspectors at floir.com.
OIR-B1-1802 Form History and 2026 Update
1 What is the new OIR-B1-1802 form effective April 2026?
The OIR-B1-1802 Rev. 04/26 is the updated version of Florida's standardized wind mitigation inspection form, effective April 2026. It is issued by the Florida Office of Insurance Regulation and is required for all wind mitigation inspections completed on or after the effective date. The form documents five categories of hurricane-resistant construction features that insurers use to apply mandatory premium credits under Florida Statute 627.0629. The updated version aligns classification criteria with the 2023 Florida Building Code and clarifies documentation requirements for roof deck attachment and opening protection. The current form is available at floir.com.
2 Is my existing wind mitigation report still valid after the April 2026 update?
Yes โ existing reports completed on prior form versions before April 2026 remain valid for their five-year term. The form revision does not invalidate reports already on file, and your insurer must continue applying the credits your existing report documents. You only need a new inspection if your report has expired, you've made improvements since the last inspection, or you want to determine whether the Rev. 04/26 updated criteria would produce better credit classifications for your home's current features.
๐ก Reports completed in 2021 or earlier are either expired or approaching expiration. If your report is from 2021 or before, plan a new inspection now.3 What categories of the OIR-B1-1802 form changed in April 2026?
The Rev. 04/26 update modified three of the five form categories:
- Roof Deck Attachment โ nail pattern classification criteria updated to 2023 FBC standards; ring-shank nail documentation requirements clarified
- Opening Protection โ classification tiers clarified for partial and mixed-product scenarios; garage door and skylight documentation requirements updated
- Roof Covering โ product approval category descriptions updated to reflect current FBC approval code formats
Not changed: Roof Shape and Roof-to-Wall Connection categories are unchanged in Rev. 04/26.
4 Do I need a new inspection because the form changed?
Not automatically. Your existing report remains valid for its five-year term. However, a new inspection on Rev. 04/26 is worth considering if any of these apply:
- Your report is 3 or more years old and approaching expiration
- You have made improvements since your last inspection
- Your existing report shows ring-shank nails at a lower deck attachment credit โ updated criteria may reclassify to a higher tier
- Your opening protection was classified as "partial" or in a lower tier โ updated tier logic may change this
- Your report has never been filed or has already expired
5 Where can I get the current OIR-B1-1802 form?
The current OIR-B1-1802 Rev. 04/26 is available directly from the Florida Office of Insurance Regulation at floir.com. Homeowners do not need to obtain the form themselves โ your licensed inspector is required to provide and complete it. If you are reviewing a completed inspection report, check the form version in the document header. Any inspection completed after April 2026 should show "Rev. 04/26."
6 Can the April 2026 form update actually increase my insurance discount?
Yes โ for homeowners whose features were previously under-classified due to inconsistent inspector interpretation or prior form limitations. The most likely beneficiaries are homeowners with ring-shank nail deck attachment that was documented under older criteria, or homes with mixed impact/shutter opening protection that was previously placed in an ambiguous partial-credit tier. A new inspection on Rev. 04/26 may reclassify these features into higher credit tiers โ producing larger premium reductions for the same physical construction. SaferHome.AI can help identify whether your specific home is likely to benefit before you commission a new inspection.
7 My insurer is using my old OIR-B1-1802 from 2022 โ should I get a new one?
Your 2022 report remains valid through 2027 and your insurer is obligated to honor it. You do not need a new inspection โ unless you want to. The question to ask yourself is: has anything changed since 2022 that would affect your credits? If you've replaced your roof, added impact windows, or made other improvements, a new inspection would unlock those additional credits immediately. If nothing has changed physically, your 2022 report is fine. As 2027 approaches, start planning for the renewal inspection and use the Rev. 04/26 form at that point.
All OIR-B1-1802 form versions, updates, and wind mitigation program guidance are published by the Florida Office of Insurance Regulation at floir.com. The Rev. 04/26 form and inspector guidance documents are available directly from FLOIR. SaferHome.AI's analysis of which homeowners benefit from the update is based on Pinellas County property data and current OIR credit tier structures.
Find Out If the Rev. 04/26 Update Benefits Your Home
Your free fortification score shows your current wind mitigation profile, whether your report is current, and whether a Rev. 04/26 inspection is likely to reclassify any of your features into higher credit tiers โ before you spend anything.
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