Wind mitigation (OIR-B1-1802), 4-Point (Insp4pt), and the RCF-1 roof certification — captured from your photos and voice, checked for carrier compliance, and delivered from a single flat-rate platform built for Florida inspectors.
Start Free Trial LoginIn Florida, insurability lives and dies on paperwork. Whether a homeowner is placed with Citizens Property Insurance or a private carrier, underwriters lean on a small set of standardized inspection forms to decide whether to write a policy, what to charge, and which wind discounts to apply. If the form is wrong, missing a photo, or on an out-of-date revision, the policy stalls — and your client blames the inspector.
There are three forms that carry almost all of the weight, and most Florida homes over a certain age need two or three of them at once:
Every form below is fully supported in InspectorData with AI photo routing, dictation, and a carrier compliance gate. Open a form's page for the field-by-field details.
The FLOIR uniform mitigation verification form that unlocks Florida wind premium discounts. Now includes FORTIFIED certificates, Region/design wind speed, and roof slope.
Wind mitigation software →Electrical, HVAC, Plumbing and Roof condition report required by most carriers before insuring older Florida homes. Updated 2025 photo and wiring rules.
4-Point software →Citizens roof certification for when the roof is the underwriting question — condition, remaining life and leaks. Signable by a licensed home inspector.
Roof report software →FLOIR's OIR-B1-1802 Rev 04/26 is mandatory for any wind mitigation inspection performed on or after April 1, 2026, replacing the long-running Rev 01/12. If you are still submitting the old revision, expect carriers to reject it. What's new in Rev 04/26:
A completed mitigation inspection is generally accepted for up to five years absent a material change to the structure. InspectorData ships the Rev 04/26 template so you are never guessing which version your carrier will accept. See the wind mitigation software page for the full field breakdown.
These forms are not hard because the inspection is hard — they're hard because of the data entry, the photo labeling, and the carrier-specific documentation rules that get reports bounced. InspectorData automates exactly that part:
Filling the forms is table stakes. The reason Florida inspectors move their whole business here is that it's genuinely all-in-one at one flat rate — $79.99, with a 90-day free trial — with no surprise line items eating your margin.
Building your whole Florida operation here? Start with the Florida home inspection software overview, then dive into the individual form guides above.
Wind-mit, 4-Point and RCF-1 — captured, checked and delivered from one flat-rate app.
Start Free Trial LoginIt depends on what the insurer is underwriting. For a wind/premium discount, carriers use the wind mitigation form OIR-B1-1802. For older homes, most carriers and Citizens require a 4-Point inspection (Citizens code Insp4pt) covering Electrical, HVAC, Plumbing and Roof. When only the roof is in question, carriers accept the RCF-1 Roof Condition Certification Form. Many Florida policies require two or three of these together, which is why InspectorData bundles all three in one app.
The biggest change is the wind mitigation form. FLOIR's OIR-B1-1802 Rev 04/26 is mandatory for inspections performed on or after April 1, 2026, replacing Rev 01/12. It adds FORTIFIED Home certificate options (Roof, Silver, Gold), a Region field tied to design wind speed under ASCE 7-22, a Roof Slope entry, and performance-based roof-to-wall attachment options. Separately, the March 2025 Citizens 4-Point update (Insp4pt 03 25) added a mandatory TPR-valve photo on water heaters, a requirement that single-strand aluminum wiring remediation be certified by a licensed electrician, and new PEX install-year and piping-age fields.
Yes — for the data-entry and documentation work. InspectorData's AI reads your field photos and routes each one to the correct form section, converts voice dictation into the right fields, and runs a compliance gate that won't let you finalize a form until the photos and documentation carriers require are attached. A Florida-licensed inspector still performs the inspection and signs the form; the AI removes the repetitive typing and the photo-labeling errors that get forms kicked back by underwriters.
Yes. Any wind mitigation inspection performed on or after April 1, 2026 must be documented on OIR-B1-1802 Rev 04/26. Inspections completed before that date on the prior Rev 01/12 form remain valid for their normal window (a mitigation inspection is generally accepted for up to five years absent a material change to the structure), but new inspections must use the current revision or carriers can reject them.
The Citizens RCF-1 Roof Condition Certification Form can be signed by a Florida-licensed general, building or roofing contractor, a licensed architect or engineer, a building-code official, or a licensed home inspector. Because multiple revisions of the RCF-1 circulate, always pull the current version your carrier accepts — InspectorData keeps the active form templates updated in-app.
No. InspectorData is flat-rate at $79.99 with a 90-day free trial. Wind mitigation, 4-Point and RCF-1 forms, AI report writing, CRM, scheduling, agreements and payments are all included — there is no per-report fee, no per-inspector seat charge, no client credit-card surcharge added by us, and no third-party ads injected into your client portal.
Everything a Florida inspector needs — forms, AI, CRM, scheduling and payments — at one flat rate.
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