Wind Mitigation Form (OIR-B1-1802): All 9 Questions

Short answer: The Florida wind mitigation form is the Uniform Mitigation Verification Inspection Form, OIR-B1-1802. The current version is Rev. 04/26, effective April 1, 2026, with 9 questions instead of the old 7. Every attribute you mark in questions 2 through 9 needs at least one photo or document, the form is valid for up to five years if the structure does not change, and only the signers listed in s. 627.711, F.S. can certify it.

Homeowners order a wind mitigation inspection to get premium credits for features that resist hurricane damage. The inspector's job is narrower and stricter: verify each feature, pick the answer the evidence supports, and attach the proof. The insurer prices off your checkboxes.

This guide goes through Rev. 04/26 question by question, as of September 2026, and flags where the new form differs from the one most inspectors learned on.

The form at a glance

The rule change that came with Rev. 04/26 also requires insurers to submit the information from each form they receive to OIR through its web portal, within 60 days of the policy's effective date or of a rate change to the policy, whichever is later, leaving out the insured's name, phone numbers and email. That is the insurer's job, not yours, but it means your answers now go to the state regulator.

The evidence rule

The note at the top of page 1 governs everything below it: "Any documentation used in validating the compliance or existence of each construction or mitigation attribute must accompany this form. At least one photograph or document providing proof must accompany this form to validate each attribute marked in questions 2 through 9."

A FORTIFIED Home Roof, Silver or Gold certificate "may be used to validate the attributes marked in questions 4 through 6, and questions 8 through 9." Check the certificate type on the form and attach a photocopy.

The form also warns that "the insurer may ask additional questions regarding the mitigated feature(s) verified on this form." Build your photo set so you can answer them.

Questions 1 to 3: code, region and slope

Question 1: Building Code

Which code was in force when the original permit was applied for.

• A. FBC 2001 and 2004. Record year built. Homes built in 2002 or 2003 need a permit application dated after 3/1/2002.
• B. FBC 2007 and later. Homes built in 2007 or 2008 need a permit application dated after 12/8/2006.
• C. HVHZ only (Miami-Dade and Broward): SFBC-94. Homes built 1994 through 1996 need a permit application dated after 9/1/1994.
• D. Unknown, or does not meet A, B or C.

Evidence: the year built from public records and, in the transition years, the building permit application date. The rest of the form's photo rule starts at question 2, but you still need the permit record to justify A, B or C in those years.

Question 2: Region (new)

Location based on design wind speed from ASCE 7-22 (700-year MRI), Risk Category 2, using ascehazardtool.org, which the form names.

• HVHZ
• Region 1 (140 mph and up)
• Region 2 (130 to 139 mph)
• Region 3 (under 130 mph)

Evidence: this is a document, not a photo. A saved result from the ASCE hazard tool for the property's address is the obvious proof.

Question 3: Roof Slope (new)

For single-family homes with multiple slopes, use the slope that covers at least two thirds of the main roof area.

• Greater than or equal to 6:12
• Less than 6:12

Evidence: a photo of a level and a measurement on the main roof plane, or a pitch gauge reading, with a view showing which plane you measured.

Question 4: Roof Covering

4.1 Check every covering type in use: asphalt or fiberglass shingle, concrete or clay tile, synthetic or composite tile (new on this revision), metal, built up, membrane, other. For each, give the permit application date, or the FBC or Miami-Dade product approval number and the year of original installation or replacement, or check "no information provided for compliance."

4.2 Product Approval Listing

• A. All coverings meet the FBC with an FBC or Miami-Dade product approval current at installation, or have a roofing permit application on or after 3/1/02, or the roof is original and built in 2004 or later.
• B. All coverings have a Miami-Dade product approval current at installation, or (HVHZ only) a roofing permit application after 9/1/1994 and before 3/1/2002, or the roof is original and built in 1997 or later.
• C. One or more coverings do not meet A or B.
• D. No coverings meet A or B.

Evidence: the roofing permit record or product approval listing, plus a photo of each covering type. On a mixed roof, one covering that does not meet A or B makes the answer C.

Question 5: Roof Deck Attachment

The weakest form of deck attachment on the house.

If the nailing or framing spacing exceeds A's limits, or the decking is thinner, the form says to select F, not A. Option E is new on Rev. 04/26, and the 55 psf floor on A is new.

Evidence: attic photos showing sheathing thickness, nail type and spacing (a tape measure in frame helps), and framing spacing. Nail size and spacing are what the answer turns on, so make them readable in the photo.

Question 6: Roof to Wall Attachment

The weakest roof-to-wall connection. Ignore hip and valley jacks within five feet of an inside or outside roof corner.

B, C and D also require the "minimal conditions": metal connectors with at least three nails into the truss or rafter, attached to the side or bottom of the top plate or embedded in the bond beam, with less than a 1/2" gap, blocked no more than 1 1/2" from the truss, free of visible severe corrosion; or a single wrapping strap with three nails each side; and all retrofit connectors installed per the manufacturer's specifications.

Evidence: clear attic photos of the weakest connection type you found, showing the nail count. Photograph more than one location. If you claim a purpose-made connector by capacity, attach the manufacturer documentation.

Questions 7 and 8: geometry and sealed roof deck

Question 7: Roof Geometry

Leave out porch or carport roofs over unenclosed space that attach only to the fascia or wall.

• A. Hip Roof: no other roof shape over 10% of the total roof system perimeter. Record the total length of non-hip features and the total perimeter in feet.
• B. Flat Roof: a building with five or more units where at least 90% of the main roof area is below 2:12. Record both areas.
• C. Other Roof.

Evidence: photos of each elevation showing the roof shape, and your perimeter measurements or an aerial measurement for the hip calculation.

Question 8: Sealed Roof Deck / Secondary Water Resistance

Standard underlayment and hot-mopped felt do not qualify.

• A. Sealed Roof Deck (SWR): fully adhered polymer-modified bitumen underlayment to ASTM D1970; or 3.75" minimum tape over deck seams (ASTM D1970 or AAMA 711 Level 3) with felt or synthetic; or a double layer of felt or synthetic with no tape (ASTM D226 Type II, D4869 Type III or IV, or D8257); or spray foam along rafter-deck intersections and panel joints, with a box to check if the entire deck underside is covered.
• B. No sealed roof deck.
• C. Unknown or undetermined.

The taped-seam and double-layer options are new. Evidence: permit records or a reroof invoice naming the product, an attic photo if the membrane or tape is visible, or a FORTIFIED certificate. If you cannot see it and have no paperwork, the answer is C.

Question 9: Opening Protection

The weakest wind-borne debris protection across all openings: windows, entry doors, sliding glass doors, skylights and garage doors. Gable and other roof vents are excluded. All openings must be in good condition, and "buildings with openings that need replacement do not qualify for wind mitigation rate differentials, regardless of the presence/absence of other features."

First fill in the Opening Protection Level Chart, marking every form of protection in use for each opening type (glazed: windows or entry doors, garage doors, skylights, glass block; non-glazed: entry doors, garage doors).

Then check one answer, driven by the weakest glazed opening, with a sub-answer for the weakest non-glazed opening:

• A (all glazed openings Level A) with A.1 (all non-glazed at A, or none), A.2 (one or more non-glazed at D, none at B, C, N or X), or A.3 (one or more non-glazed at B, C, N, X or Z).
• B with B.1 (all non-glazed at A or B, or none), B.2 (one or more at D, none at C, N or X) or B.3 (one or more at C, N, X or Z).
• C (plywood or OSB) with C.1 (all non-glazed at A, B or C, or none), C.2 (one or more at D, none at N or X) or C.3 (one or more at N, X or Z).
• N (unverified shutters or products with no documentation) with N.1 (all non-glazed at A, B, C or N, or none), N.2 (one or more at D, none at X) or N.3 (one or more at X or Z).
• X: one or more glazed openings at Level X or Z.
• Z: one or more openings damaged and in need of repair or replacement.

Level A standards listed on the form: Miami-Dade PA 201, 202 and 203; FBC TAS 201, 202 and 203; ASTM E 1886 and E 1996; SSTD 12; for skylights, ASTM E 1886 and E 1996; for garage doors, ANSI/DASMA 115.

Evidence: product approval labels, etched glass marks or shutter labels, photographed at each opening type, plus permit or product approval records. A label you cannot read is an N, however good the shutter looks.

What changed from Rev. 01/12

The renumbering causes mistakes. Older guides and templates say "question 2" for roof covering and "question 7" for opening protection. On Rev. 04/26 those are questions 4 and 9.

Citizens' bulletin of March 19, 2026 says inspections on or after April 1, 2026 must use the revised form, and "performance violations may be issued for submitting an older form." A Rev. 01/12 form is accepted only if it was completed within five years before April 1, 2026 and the structure has not changed.

Who may sign: s. 627.711

Section 627.711(2)(a), F.S. says an insurer "shall accept as valid" a form signed by:

1. A home inspector licensed under s. 468.8314 who has completed at least 3 hours of hurricane mitigation training approved by the Construction Industry Licensing Board, including the form, and a proficiency exam
2. A building code inspector certified under s. 468.607
3. A general, building or residential contractor licensed under s. 489.111
4. A professional engineer licensed under s. 471.015
5. A professional architect licensed under s. 481.213
6. Any other individual or entity the insurer recognizes as qualified to complete the form

Under (2)(b) an insurer "may, but is not required to," accept a form from anyone else it finds qualified.

Personal inspection. Everyone except contractors (s. 489.111) and engineers (s. 471.015) "must inspect the structures personally and not through employees or other persons." Contractors and engineers may send a direct employee and are "directly liable for the misconduct of employees."

Fraud. Knowingly or through gross negligence providing a false form can bring an investigation by the Bureau of Insurance Fraud, licensing action or prosecution. Knowingly uttering a false form to obtain a discount is a first-degree misdemeanor under s. 627.711(8). (The form itself still cites subsection (7); the current statute numbers it (8).) Under s. 627.711(9), an insurer may also have a form independently verified at its own expense.

If you are a home inspector without the training, how to become a wind mitigation inspector covers the path.

Common errors that cost the client a credit

Citizens' Wind Loss Mitigation Guide and bulletin list the reasons forms are rejected or earn no credit:

• Inspection on or after April 1, 2026 on the old form
• Any blank field. "All fields on the form must be completed by the inspector"
• Missing photos or documents for attributes 2 through 9
• An unqualified or unlicensed signer, or a license that cannot be verified with DBPR
• Missing signature from the inspector or the homeowner
• Property address on the form does not match the policy address
• Inspector initials and property address missing from any page
• Structural changes since the inspection, or a form older than five years

Citizens also notes that the wind mitigation form is not acceptable proof of roof condition or roof replacement. That is what the 4-point roof section or the roof form is for. See the 4-point inspection and roof certification.

Errors inside the questions usually come from one habit: answering from assumption. A replacement roof is not 4.2 A without a permit application date or a product approval number. A strap is not a single wrap without the nail count. When the evidence is not there, the correct answers are "no information provided," "unknown" and N. Those are legitimate answers, and a guess is not.

Binsr has the current Rev. 04/26 wind mitigation form built in, in the Florida insurance templates. Photos attach to the individual line item or finding, so each attribute carries its own proof. See built-in state and insurance forms.

Frequently asked questions

Keep reading

• How to become a wind mitigation inspector
• Wind mitigation inspection cost
• The 4-point inspection: form, checklist and coverage
• Selling 4-point and wind mitigation as a bundle
• Roof certification and roof inspection reports

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