Effective April 1, 2026 — OIR-B1-1802 Rev. 04/26 · Last reviewed July 2026
Florida's wind mitigation form changed on April 1st. Your next inspection just got harder to document.
Existing forms stay valid for their five-year term. But every inspection from April 1, 2026 forward must use the new OIR-B1-1802 (Rev. 04/26) — and the new form demands documented proof for every credit claimed.
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88%
Max windstorm discount under FL law
$2,200+
Average unclaimed credits per home
5 Yrs
OIR-B1-1802 expiration window
Apr 1
Date new form became mandatory
88%
Max windstorm discount under FL law
$2,200+
Average unclaimed credits per home
5 Yrs
OIR-B1-1802 expiration window
Apr 1
Date new form became mandatory
What It Is
What the OIR-B1-1802 is
The Uniform Mitigation Verification Inspection Form — nine questions across six pages that determine which wind-resistant features on your home qualify for insurance credits.
88%
Up to 88% off your windstorm premium. That's not a promotion — it's the law.
Under Florida Statute §627.0629, insurers must include actuarially reasonable wind mitigation credits in their approved rate filings. Those credits apply to features verified and documented on this form. The form is the mechanism — without one on file, verified features can't be credited.
The form is the key. Without a current, valid, inspector-certified OIR-B1-1802 on file with your carrier, you are
leaving every one of those mandatory credits unclaimed and your insurer is not required to tell you.
The form is the key. Without a current, valid, inspector-certified OIR-B1-1802 on file with your carrier, you are leaving every one of those mandatory credits unclaimed and your insurer is not required to tell you.
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The Urgency
What changed on April 1, 2026
This is not a routine paperwork update. The OIR-B1-1802 has been updated effective
April 1, 2026. All inspections on or after that date must use the new version. The new
form reflects a 2024 Residential Wind-Loss Mitigation Study, updating the discount
tables and qualifying criteria to reflect current building science and real-world hurricane
performance data.
Superseded — Rev. 01/12
Old Form
Rev. 01/12 — No longer accepted for new inspections
Fewer verified items
No region or roof slope questions
No performance-based roof-to-wall options
Credit tables from the earlier loss study
Current — Rev. 04/26
New Form
Rev. 04/26 — Effective April 1, 2026
Adds region (design wind speed) and roof slope
Reorganized, expanded verification workflow
Performance-based roof-to-wall options
Criteria reflect the 2024 Residential Wind-Loss Mitigation Study
Greater emphasis on clear proof per attribute
Current — Required
New Form
Rev. 04/26 — Effective April 1, 2026
Comprehensive documentation required for every credit claimed
High-resolution photos mandatory for all mitigation features
Increased standardization same rules across all carriers
Permits & product approvals required as proof of record
What's New in the Rev. 04/26 Form
Strict documentation required. Inspectors must now include specific permits, product approvals, and high-resolution,
clear photos of all mitigation features for every credit claimed.
Heavy emphasis on "black-and-white" evidence. If a feature cannot be documented through a permit or clear visual
inspection, it will not receive credit under the new form.
At least one proof document per attribute. Each credit attribute requires at least one photograph or supporting
document to validate the claim — no exceptions.
Increased standardization. The new form introduces consistent credit interpretation across all insurance carriers,
reducing the variation that previously allowed some carriers to deny credits others approved.
Updated discount tables. Qualifying criteria reflect the 2024 Residential Wind-Loss Mitigation Study — some features
may qualify for higher credits; others are evaluated under a more stringent standard.
What This Means for You
Your Current Wind Mitigation Form
Has an Expiration Problem.
The OIR-B1-1802 is valid for up to five years, provided no material changes are made to the structure or inaccuracies are found on the form. That means if your inspection was completed in 2021 or earlier, it has already expired or will expire before the next hurricane season ends.
Under the new Rev. 04/26 requirements, your inspector must now provide photo documentation for every single credit attribute from scratch.
If you don't have permits, product approvals, or photos readily available, credits you've been collecting for years could be reduced or eliminated. The homeowners who act now — before hurricane season — are the ones who lock in the maximum credits under the new rules.
If you don't have permits, product approvals, or photos readily available, credits you've been collecting for years could be reduced or eliminated. The homeowners who act now before hurricane season are the ones who lock in the maximum credits under the new rules.
Three questions every Pinellas homeowner must answer right now:
1
When was my last wind mitigation inspection?
Your OIR-B1-1802 has a 5-year expiration. If it was completed in 2021 or earlier, you're either expired or expiring this season.
If 2021 or earlier → It's expired.
2
Does my current form reflect every hardening upgrade I've made since then?
New roof? Upgraded shutters? Reinforced garage door? Improvements made after your last inspection are invisible to your insurer — and uncredited.
If 2021 or earlier → It's expired.
3
Am I missing credits I qualify for but never claimed?
Many Pinellas homeowners have qualifying features that were never properly documented. Under the old form, inspectors often missed them. The new form demands proof.
If 2021 or earlier → It's expired.
SaferHome.AI answers all three questions. Before you schedule an inspector, download the app and run your address. Know exactly where you stand before anyone sets foot on your roof.
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Your Form May Already be Expiring
The OIR-B1-1802 is valid for up to five years, provided no material changes are made to the structure. If your inspection was completed in 2021 or earlier, it has expired or will expire this season.
Three questions worth answering now
When was your last inspection?
2021 or earlier means expired or expiring.
Does it reflect your upgrades?
New roof, shutters, or garage door added since? Undocumented means uncredited.
Are you missing credits?
Qualifying features often go unrecorded. The new form demands proof.
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You may not have to pay for that inspection
Florida's My Safe Florida Home program offers eligible homeowners a free wind mitigation inspection, with no obligation to apply for a grant. Roughly 45,000 Florida homeowners completed one and never received grant funding-many are sitting on a completed form they never sent to their insurer.
Source: Florida Department of Financial Services
Common Questions
Is my current wind mitigation form still valid?
Generally yes, if it was completed within five years and your home hasn't changed structurally. Carriers have continued accepting the prior version under those conditions.
Do I need a new inspection because of the April change?
Not automatically. The requirement applies to inspections performed on or after April 1, 2026.
How long is a wind mitigation form good for?
Up to five years, provided no material changes to the structure.
Who can complete the form?
A licensed inspector or other qualified professional listed on the form. SaferHome cannot complete or sign it.
What if my upgrades were done without a permit?
They may still qualify, but they'll need photo or product-approval documentation instead.
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