The OIR-B1-1802 form
The form is imposed by the Florida Office of Insurance Regulation and submitted to your insurer. It lists 7 features with rating categories and attached photos.
All FL insurers accept this form — no need to redo it across insurers as long as within its 5-year validity period.
The 7 rated features
- Building Code: home built per Florida Building Code 2002+ or Miami-Dade HVHZ. The 2002 code reinforced requirements post-Andrew. Major credit.
- Roof Covering: roof type and code-compliance at time of installation.
- Roof Deck Attachment: fastener type (nails, screws) and spacing.
- Roof to Wall Connection: toe-nail (standard nails), clips, single wraps, or double wraps (hurricane straps). Stronger connection = higher credit.
- Roof Geometry: hip roof (4-sided) resists wind better than gable (two-sided). Major credit for hip.
- Secondary Water Resistance: under-roof membrane preventing infiltration even if tiles torn off.
- Opening Protection: protection of openings (windows, doors, garage). Impact glass or tested hurricane shutters. Major credit.
How much to expect to save
Credits vary by insurer, but typical ranges:
| Feature | Typical credit |
|---|---|
| FBC 2002+ construction | 10–25 % |
| Roof to Wall: double wraps | 10–15 % |
| Hip roof | 5–10 % |
| Secondary Water Resistance | 2–5 % |
| Opening Protection (impact glass) | 10–25 % |
| Cumulative possible | 30–60 % |
For a 2018-built home with hip roof, double wraps, secondary water resistance, and impact glass, you can hit 50–60 % cumulative credit.
Choosing a licensed inspector
Inspection must be performed by:
- A FL-licensed home inspector (DBPR).
- A certified building code inspector.
- A FL professional engineer (PE).
- A FL architect.
Verify license on myfloridalicense.com before paying.
Strategy: before or after closing
Before closing
Include in the same visit as general + 4-point inspection. Typical combined cost: $500–$900 USD for all 3. Lets you calculate exact premium before binding and compare insurers on real basis.
After closing
If you bound a premium without wind mitigation credits, do the inspection shortly after closing and submit the report to insurer. Credit applies at your next renewal (or sometimes retroactively, by insurer).
Recommendation: do before closing to optimize initial premium and avoid binding moratorium during hurricane.
Every figure, rate, threshold, and deadline in this guide is drawn from a verifiable primary source listed at the bottom of the page. The article is updated whenever the underlying rules change, with a fresh review date stamped at the top.
Sources and references
All sources were publicly accessible at the last review date. Figures and rules may change; verify the current version before any decision.
- Florida Statutes §627.711 — Wind mitigation, 5-year validity. flsenate.gov/§627.711
- Florida OIR Form OIR-B1-1802 — Wind Mitigation Inspection Form. floir.com
- Florida Building Code. floridabuilding.org
- Citizens Property Insurance — wind mitigation credits. citizensfla.com
Logical next step
Then verify the property has no open permits.