See a quick, qualitative estimate of the Florida homeowners premium credits your home may qualify for — based on the same roof and opening-protection factors an inspector documents on the FLOIR OIR-B1-1802 form. Free, instant, and no email required.
Answer six questions about your roof and openings. These are the exact features verified on the Uniform Mitigation Verification Inspection Form (OIR-B1-1802).
Estimated premium-credit potential:
—Florida law requires insurers to offer premium discounts, credits, or rate differentials to homeowners who build or retrofit their homes to reduce hurricane wind damage. Under §627.711(2), Fla. Stat. and Rule 69O-170.0155, F.A.C., those credits are tied to specific, verifiable construction features — not to your home's age or a general impression of its condition.
To claim the credits, an insurer needs proof. That proof is the Uniform Mitigation Verification Inspection Form (OIR-B1-1802), published by the Florida Office of Insurance Regulation (FLOIR). A qualified inspector physically verifies each feature, photographs it, and records it on the form. Your carrier then applies whatever credit its filed rating plan assigns to that combination of features.
The estimator above mirrors those factors so you can gauge, before you pay for an inspection, roughly how much credit potential your home has and which features might be worth upgrading.
Whether your roof covering meets the current Florida Building Code. FBC-compliant coverings unlock credit that non-compliant or undocumented roofs do not.
Nail type and spacing holding the deck to the trusses. Rated A, B, or C — 8d nails at 6"/6" (C) is the strongest common category.
Toe nails, clips, single wrap, or double wrap. This is one of the highest-impact factors: a double wrap resists uplift far better than toe nails.
A hip roof (all sides slope inward) sheds wind better than a gable or other shape and typically earns its own credit.
A self-adhering underlayment (SWR) that keeps water out if the covering is lost. Present-or-not, and it adds incremental credit.
Impact-rated windows, doors, garage doors, and skylights. Full hurricane-rated protection on all openings is usually the single largest credit.
The Rev 04/26 version of the Uniform Mitigation Verification Inspection Form is mandatory for inspections performed on or after April 1, 2026, replacing the long-standing Rev 01/12. If you had an inspection before that date on the old form, it remains valid for its term, but any new inspection must use the current revision. Key additions in Rev 04/26 include:
An OIR-B1-1802 is generally valid for up to five years unless there is a material change to the home — a new roof, added or altered openings, or a change in opening protection — in which case a fresh inspection is warranted.
Complete OIR-B1-1802 wind mitigation reports faster with InspectorData. Our AI sorts each photo into the correct form section, lets you dictate findings by voice, and runs a compliance gate that won't let you finalize the form without the photos and documentation carriers require — the same engine that fills the wind mitigation, 4-Point, and roof condition forms. Flat $79.99/month, all-in-one, with a 90-day free trial.
Start Free TrialThis estimate is educational only. To actually claim wind mitigation credits, hire a Florida-licensed inspector to perform an official OIR-B1-1802 inspection, then submit the signed form to your insurer or agent. Ask whether your home qualifies for opening-protection and roof-to-wall upgrades that could increase your credit.
Find a Licensed InspectorWind mitigation is unforgiving: miss one required photo and the carrier can reject the credit, forcing a re-inspection. InspectorData is built to prevent that. When you photograph a roof-to-wall connection or an impact-rated window, the AI recognizes what it's looking at and drops it into the correct OIR-B1-1802 section. You dictate the details by voice while you're still on the ladder. Before you can finalize, a compliance gate checks that every required photo and field is present.
Because InspectorData is flat-rate and all-in-one, there's no per-inspector fee, no per-report upsell, no surcharge passed to your client's card, and no third-party ads injected into your client portal — just Florida-form specialization at $79.99/month. Explore the Florida Citizens insurance forms hub and the dedicated Florida home inspection software overview to see how the wind mitigation, 4-Point, and roof condition (RCF-1) workflows fit together.
No. This tool provides a qualitative, educational estimate only. Actual premium credits are set by your insurer using its own filed rating plan and require an official OIR-B1-1802 Uniform Mitigation Verification Inspection Form completed by a qualified inspector. The estimator is not an insurance quote and does not bind any carrier.
Florida uses the FLOIR OIR-B1-1802 Uniform Mitigation Verification Inspection Form. The Rev 04/26 version is mandatory for inspections performed on or after April 1, 2026. It documents roof covering, roof deck attachment, roof-to-wall connection, roof geometry, secondary water resistance, and opening protection, and now also captures FORTIFIED Home certificates, the design wind-speed Region per ASCE 7-22, and roof slope.
In most Florida rating plans the largest single credits come from opening protection (hurricane-rated impact-resistant coverage on all openings) and the roof-to-wall connection (double wrap versus toenail). Roof covering meeting the Florida Building Code, roof deck attachment, hip roof geometry, and secondary water resistance each add incremental credit. The exact weighting is set by each insurer's filed plan.
An OIR-B1-1802 inspection is generally valid for up to five years, absent a material change to the structure such as a new roof, added openings, or a change in opening protection. A new roof usually warrants a fresh inspection so the updated roof covering and deck attachment can be verified.
Yes. InspectorData helps Florida-licensed inspectors complete the OIR-B1-1802 with AI-assisted photo-to-form sorting, voice dictation, and a compliance gate that will not let you finalize without the photos and documentation carriers require. Homeowners should hire a Florida-licensed inspector to perform the official inspection.
Join Florida inspectors using InspectorData to fill the OIR-B1-1802, 4-Point, and RCF-1 with AI. Flat $79.99/month, all-in-one, 90-day free trial, rated 4.9/5.