Florida Wind Mitigation Form OIR-B1-1802, Explained

Form OIR-B1-1802 is the uniform mitigation verification inspection that Florida insurers use when they rate the wind features of a house. Homeowners usually meet it after the windows are already in, when an agent asks for an updated wind-mitigation report. The form is not a quote, and it is not something the window company fills out in order to invent a discount. A qualified inspector completes it. Your carrier decides what the completed form is worth on that policy.

New inspections use the revised form. The version referenced on our financing and window pages is OIR-B1-1802 (Rev. 04/26), required for inspections on or after April 1, 2026. If you are holding an older report, do not assume every line still reads the same way. Ask the inspector which revision they are completing, and ask your agent which revision the carrier wants on the policy.

What the inspector is actually scoring

The report looks at how the house was built and how the openings are protected. In plain language, the categories homeowners recognize are the building code era of the house, the roof covering, how the roof deck is nailed or fastened, how the roof ties to the walls, the roof shape, whether there is a secondary water barrier, and the opening protection on windows, doors, skylights, and the garage. Impact windows change the opening-protection category. They do not rewrite a weak roof-to-wall connection. People are sometimes disappointed that new glass did not move every line on the form. It was never going to.

Opening protection is the line a window project can improve, and it is strict. The credit people are hoping for generally requires every glazed opening to be protected, not most of them. A leftover bath window, a garage-door lite, a skylight, a sidelight, or an original sliding glass door can keep the house out of the top opening-protection result. Our wind-mitigation inspection guide covers how to prepare. This article is about the form itself so you know what you are handing the agent.

What to have in the folder

Inspectors want to see product identification and, when the job was permitted, the permit trail. That means approval numbers for the impact windows and impact doors, labels or etching that match those products, and the final inspection that closed the permit. In Miami-Dade and Broward, those approvals are Miami-Dade Notices of Acceptance for the configurations that were installed. Elsewhere, the paperwork may be a Florida Product Approval. The inspector is matching documents to openings, not taking a salesperson's word for it.

We keep the product approvals from the jobs we install so you are not reconstructing a file years later. We cannot complete the 1802 for you. The inspector has to be qualified to sign that form, and the roof items in particular require someone who is prepared to look at the attic and the deck, not only the glass.

What the form does not promise

Florida Statute §627.0629 requires carriers to offer wind-mitigation credits. It does not set a single percentage for every house. Older articles and advertisements sometimes talk as if every protected home gets the same discount. That is not how the policies we see are written. The carrier applies its own factors to the boxes the inspector checked. Coastal value, roof shape, and the rest of the form all sit in that math. We will not tell you a dollar savings before your agent runs the form.

Timing matters in two directions. File the new report when the permit is closed, because a credit does not start itself. And know that reports do not last forever. A report is commonly treated as good for about five years if the house has not changed, but you should confirm that with your carrier rather than assuming a renewal will keep the old credit. A reroof, a new garage door, or an added skylight is a change. The form should be updated when the house changes.

How a window project should be planned around the form

If insurance credit is one reason you are replacing glass, walk the house before you sign a partial scope. Count skylights, the garage, French doors, and every sidelight. Decide whether this phase protects all of them or whether you are accepting a weaker opening-protection result until phase two. Read how impact windows relate to insurance alongside this form, then let the inspector and the agent translate it into a premium. Payment for the job itself, if you need it, lives on the financing page and is separate from whatever credit shows up later.

Keep the roof conversation separate from the glass

Agents sometimes tell homeowners the new windows "failed" the inspection when the roof deck or the roof-to-wall connection is what held the discount down. Those lines are real, and they are not something a window crew repairs under a glass contract. If the inspector photographs toe-nails instead of straps, or a roof covering that is past the age the carrier wants, that is a roof project. Ask for the form back with every section marked so you can see which box the glass actually changed. Bring that form to the next estimate if you are deciding whether a remaining opening is worth doing. We can read the opening-protection result with you. We should not pretend to reroof the house because a window quote is on the table.

When the glass is ready to plan, request a free estimate or call Florida Impact Windows & Doors at (754) 600-4876.

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