Florida’s Wind Mitigation Form Is Changing (Effective 4/1/2026): What’s New + How to Get Ready

Florida’s Uniform Mitigation Verification Inspection Form (OIR-B1-1802) has an updated version that becomes effective April 1, 2026. The new form adds new items, reorganizes the questions, and puts more emphasis on proving what’s marked with clear photos and/or documents.

Here’s the practical breakdown of what’s changing—and how to avoid delays.

Key Takeaways

• The updated form expands and reorganizes the workflow (more items to verify).

• Two new items are added: Region (design wind speed) and Roof Slope.

• Documentation expectations increase: expect more proof photos and/or supporting documents for items marked.

• Opening protection categories are clearer—including a category for damaged openings needing repair/replacement.

• We’ve already completed training so our process is ready for the updated form and documentation standards.

Who this is for: Florida homeowners, buyers, realtors/agents, and investors who use wind mitigation reports for insurance underwriting and potential credits (varies by insurer).

Need this checked fast?

Call/Text 386-361-8040 to book an inspection or ask a quick question.

What’s different in the new form (and what’s “new work”)

The biggest change isn’t just the new pages—it’s that the updated form pushes toward more consistent verification. In plain terms: if something is checked, you should expect it to be supported by a clear photo set and/or a document trail (when applicable).

Here are the changes that matter most in the field.

New item: Region (design wind speed)

The updated form adds a required selection for Region, tied to the property location and design wind speed guidance.What’s new for you: this becomes part of the final report data set, not an optional detail.

New item: Roof Slope (pitch)

The updated form adds Roof Slope as its own item (often grouped as ≥ 6:12 or < 6:12).What’s new for you: roof pitch becomes a specific check that must be verified and documented appropriately.

We will now be measuring Roof Slope (pitch)

Roof covering and approvals are more clearly separated

Roof covering details are presented more explicitly, including clearer paths for product approval listing and documentation.

What’s new for you: if you’re counting on “verified” classifications, having permit info or product documentation (when available) can reduce follow-up questions later.

Roof deck attachment expands (including a spray foam pathway)

The updated form adds/clarifies deck attachment pathways—one includes spray foam uplift resistance criteria.

What’s new for you: you may need clearer attic documentation or installer documentation to support specific selections.

Roof-to-wall attachment gets tighter on definitions

This is one of the areas where the updated form tightens language and makes “installed as intended” more important.

Inspector’s Note: In some cases, correct classification depends not only on what connector is present, but whether it’s installed correctly and what proof is available (photos and/or documentation). If you’re unsure, we’ll document what we can see and recommend next steps if more proof is needed.

Opening protection becomes clearer (and damaged openings are called out)

The updated form includes a category for damaged openings in need of repair/replacement. If an opening is damaged, it can affect how opening protection is classified and whether it qualifies for certain rate differentials (varies by insurer).

What’s new for you: visible condition issues (cracked glazing, failed seals, damaged frames/doors) matter more in the final classification than many people expect.

How to prepare now (homeowners, buyers, and agents)

You don’t need to “study the form” to prepare. You just need to reduce friction.

If you’re a homeowner

Gather what you have (even partial documentation helps):

• Roof permit(s) or install paperwork (if available)

• Window/door/garage door documentation (if applicable)

• Any product approvals, labels, or spec sheets left by installers

• Records of upgrades and approximate dates

Also: if you already know you have a damaged door/window/skylight, consider addressing it before you need the most favorable “opening protection” classification.

If you’re a buyer or agent

Plan earlier in the transaction timeline:

• If wind mitigation supports your insurance quotes, order it early enough to allow for follow-up questions.

• Ask sellers upfront for permits/docs they may already have.

• Expect underwriters to ask for proof more often (varies by insurer).

Mini FAQ For Florida’s Wind Mitigation Form Is Changing

1) When does the new form start? The updated OIR-B1-1802 form is effective April 1, 2026.

2) Will the new form automatically lower my premium? No guarantee—credits and underwriting outcomes vary by insurer and property. The form documents features; insurers apply their own rules.

3) What’s the easiest way to avoid delays? Have any permits/docs ready, schedule early, and address obviously damaged openings before requesting “verified” classifications.

4) What documents or “proof” should I try to gather before the inspection? If available, have roof permits/invoices, product approval info (roofing materials), and any window/door/garage door paperwork. Even partial documentation can reduce insurer follow-up requests and speed up underwriting (varies by insurer).

5) What if I don’t have permits or product paperwork—can I still get a wind mitigation?Yes. We can still document what’s visible and verifiable on-site with clear photos. If a specific selection requires documentation that isn’t available, we’ll note it and explain practical next steps (e.g., where to look for records or what a licensed contractor may need to confirm).

Want us to inspect it before it becomes a problem?

Clear findings, photo documentation, and next-step guidance.Call/Text 386-361-8040

Quick booking checklist:

• Address + year built

• Any roof permit date (if known)

• Any window/door/garage door docs you have

• Tell us if you’re a buyer, homeowner, or investor (so we tailor documentation)

Realtors/agents/investors: feel free to forward this to your client.

Requirements vary by insurer and property; consult licensed contractors for repairs.