InspectorData reads your field photos, routes each one to the correct section of the OIR-B1-1802, lets you dictate the rest, and blocks finalize until every carrier-required photo is attached. Built for the mandatory Rev 04/26.
The OIR-B1-1802 "Uniform Mitigation Verification Inspection Form" is the standardized wind mitigation form issued by the Florida Office of Insurance Regulation (FLOIR). Florida homeowners submit it to their insurer to document construction features that reduce hurricane wind damage — and, in turn, to earn the wind mitigation premium discounts that insurers are required to offer.
The form's legal backbone is Section 627.711(2), Florida Statutes, which defines who is qualified to inspect and sign it, and Rule 69O-170.0155, Florida Administrative Code, which governs the mitigation discounts themselves. Because it's a uniform form, every Florida carrier accepts the same document — there is no carrier-specific version. A completed 1802 stays valid for up to five years, unless a material change to the structure (a re-roof, an addition, new opening protection) makes the prior findings inaccurate.
You can review the official form and instructions directly at floir.gov (FLOIR). For a plain-English walkthrough of every field, see our field-by-field OIR-B1-1802 explainer.
FLOIR revised the OIR-B1-1802. The Rev 04/26 version is mandatory for inspections performed on or after April 1, 2026, replacing the long-running Rev 01/12. If you're still generating the old layout after that date, insurers can reject the submission. Here's exactly what's new:
The form now captures FORTIFIED designations — Roof, Silver, and Gold — so structures certified under the IBHS FORTIFIED program can document that status directly on the 1802.
A new Region field records the design wind speed for the property under ASCE 7-22, aligning the mitigation form with the current wind-load standard.
Rev 04/26 adds an explicit Roof Slope entry, giving carriers a clearer picture of roof geometry alongside the existing hip/other classification.
New performance-based roof-to-wall attachment options let inspectors document connections that qualify on engineered performance, not just the traditional nail/clip/wrap tiers.
InspectorData ships the Rev 04/26 layout by default, with the FORTIFIED, Region, and Roof Slope fields already wired into the AI so you never hand-copy them into a stale template.
The OIR-B1-1802 is organized as a series of numbered questions, each documenting one wind-resistant construction feature. At a glance:
For the exact wording, sub-options, and photo requirements of each question, use the field-by-field explainer.
The 1802 is not hard because the questions are hard — it's hard because a mis-labeled photo or a missing roof-to-wall shot gets the whole form kicked back by the carrier. InspectorData attacks exactly that failure point.
Shoot the roof deck, snap the clip, photograph the shutter rating label. The AI recognizes what each image shows and drops it into the matching question — deck attachment photos to Question 3, roof-to-wall to Question 4, opening protection to Question 7 — so you're not manually sorting a camera roll at the truck.
Speak the fastener spacing, the covering type, the permit date. Dictation turns your on-site narration into the correct field entries, which matters when you're on a ladder and can't type.
This is the difference-maker. InspectorData won't let you finalize the 1802 until every carrier-required photo and data point is attached for each answered question. Answered "single wrap" for roof-to-wall but never attached the connection photo? The gate flags it before submission — not after the underwriter rejects it days later. The same compliance engine powers our 4-Point inspection software and roof inspection reports.
Under Section 627.711(2), Florida Statutes, the 1802 must be completed and signed by a qualified inspector. Qualified signers include:
The signer attests to the findings, so the compliance gate protects your license as much as your turnaround time — you're never certifying a form that's missing the documentation behind an answer.
The wind mitigation form rarely travels alone. Most Florida insurance jobs pair it with a 4-Point and, often, a roof certification. InspectorData handles the whole stack:
Full wind mitigation inspection software built around the OIR-B1-1802.
See how the 1802, 4-Point, and RCF-1 connect on our Florida Citizens insurance forms hub.
Everything tuned for the state's carriers in our Florida home inspection software.
Rev 04/26 adds FORTIFIED Home certificate designations (Roof, Silver, and Gold), a Region field capturing design wind speed under ASCE 7-22, and a Roof Slope entry. It also introduces performance-based roof-to-wall attachment options. It replaces the prior Rev 01/12 form.
The Rev 04/26 version of the OIR-B1-1802 is mandatory for wind mitigation inspections performed on or after April 1, 2026. Inspections completed before that date could use the prior Rev 01/12 form. A completed 1802 remains valid for up to five years absent a material change to the structure.
Carriers generally require photo documentation for each construction feature verified on the form, including roof covering with permit or product approval, roof deck attachment, roof-to-wall connections, roof geometry, secondary water resistance, and opening protection. InspectorData's compliance gate blocks finalize until the required photos for each answered question are attached.
Under Section 627.711(2), Florida Statutes, the 1802 may be signed by a qualified inspector such as a Florida-licensed home inspector, general or building contractor, professional engineer, professional architect, or a building code inspector. The inspector attests to the findings and certifies the form.
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