Florida quietly updated its wind mitigation inspection form. If you have an existing report, relax — it's still valid. But some homeowners could be leaving money on the table. Here's how to know which camp you're in.
If you own a home in Florida, the OIR-B1-1802 form is the document that determines how much you pay for home insurance every year — and most homeowners have never heard of it.
Here's the short version: Florida law requires your insurer to discount your premium for hurricane-resistant construction features your home already has. But your insurer only applies those discounts if you submit a completed OIR-B1-1802 form, signed by a licensed inspector, documenting what those features are. No form, no discount — regardless of what your home actually has.
The form is completed during a wind mitigation inspection, which costs $100–$150 and takes about an hour. The resulting credits can save $500 to $4,000+ per year depending on your home. In Pinellas County, the median homeowner who has never filed a report is leaving approximately $1,400 per year in legally mandatory credits unclaimed.
The OIR-B1-1802 is your home's hurricane report card. A licensed inspector fills it out. You give it to your insurer. Your insurer is legally required to lower your premium based on what it says. Florida updated the report card in April 2026 — Rev. 04/26 — and all new inspections must use the new version.
The full consumer guide, including the current form, is at floir.gov/consumers/wind-mitigation-resources.
The Florida Office of Insurance Regulation released Rev. 04/26 in April 2026. The update aligns the form with the 2023 Florida Building Code and addresses two categories where prior versions produced inconsistent results in the field.
Nail pattern classification criteria were refined to align with 2023 FBC specifications. Ring-shank nail documentation requirements are now more clearly defined, reducing the inconsistency in how inspectors classified this category under prior versions.
May increase credits for some homesClassification tiers were clarified for homes with partial or mixed opening protection — for example, impact windows on some openings and rated shutters on others. Previously, these scenarios were handled inconsistently by different inspectors. The new form provides clearer guidance, which may allow some homes to reach a higher credit tier.
May increase credits for some homesProduct approval category descriptions were updated to reflect current FBC approval code formats. Older approval codes are now explicitly mapped to current credit tiers, reducing ambiguity for homes with roofs installed under prior FBC cycles.
Minor — affects documentation onlyThe hip vs. gable roof classification and the toe nail / clip / wrap / anchor connection tiers are identical to prior versions. No changes to these two categories in Rev. 04/26.
No impactWhether this update requires action from you depends entirely on your specific circumstances. Here's a plain-language guide:
You're fine. Your insurer must continue honoring your existing report. The form revision doesn't change that. Put a reminder in your calendar for when it expires.
Start planning a new inspection now. Use the Rev. 04/26 form when you do — and check whether the updated classification criteria might produce higher credits for your home.
Your current report doesn't reflect your home's actual features. Commission a new inspection on Rev. 04/26 immediately. Those improvements qualify for credits your insurer isn't applying yet.
Your insurer may not be applying any wind mitigation credits. A $100–$150 inspection is likely to save you $500–$2,000+ per year. This is the highest-ROI action available to most Florida homeowners.
The Rev. 04/26 updates may allow a new inspection to reclassify those features at a higher credit tier. Use SaferHome.AI's free score to estimate whether a new inspection is likely worth it before spending on one.
Check the header of your completed report for the "Rev. 04/26" notation. If it shows an older version, contact your inspector — reports on prior versions completed after the effective date may not be accepted by your insurer.
Florida's wind mitigation program is one of the most underutilized consumer protections in the state. The law is unambiguous: if your home has hurricane-resistant features, your insurer must discount your premium. The OIR-B1-1802 form is the mechanism that makes that legal obligation real.
The April 2026 revision matters because it closes gaps that were costing some homeowners money. A homeowner with ring-shank nails on their roof deck who was previously classified in a lower tier due to documentation inconsistency — and has been paying for that misclassification for years — now has a cleaner path to the higher credit tier their home actually qualifies for.
That's not a hypothetical. In Pinellas County, a disproportionate share of the housing stock falls into exactly the categories the Rev. 04/26 update addresses: post-2002 FBC homes with ring-shank nails, and homes where renovation activity has created mixed opening protection that wasn't cleanly handled by prior form versions.
Not automatically. If your report is current and within its five-year validity period, it remains valid and your insurer must honor it. You need a new inspection only if your report has expired, you've made improvements since the last one, or you have reason to believe the Rev. 04/26 updated criteria would reclassify your home into a higher credit tier.
💡 Check the date on your existing report. If it's from before 2022, it has either expired or expires this year — plan a new inspection now.The two most likely scenarios where Rev. 04/26 produces higher credits are: your existing report shows a lower roof deck attachment tier and you have ring-shank nails, or your opening protection was classified as partial due to a mixed impact/shutter setup. SaferHome.AI's free fortification score cross-references your Pinellas County permit history and property records to estimate whether a new inspection is likely to improve your credit outcome before you spend anything.
The current form and consumer guidance are available directly from the Florida Office of Insurance Regulation at floir.gov/consumers/wind-mitigation-resources. You don't need to obtain it yourself — your licensed inspector provides and completes it. Just confirm that any inspection completed after April 2026 references "Rev. 04/26" in the document header.
Yes — and this is typical. Florida's wind mitigation discount system places the entire burden of initiating the process on the homeowner. Insurers are legally required to apply credits when you submit a valid form, but they are not required to prompt you to get an inspection or alert you when your report expires. The most useful question to ask your agent: "Do you have a current wind mitigation report on file for my property, and when does it expire?" If the answer is no, unknown, or expired — commission an inspection.
The OIR-B1-1802 Rev. 04/26 form and all Florida wind mitigation consumer resources are maintained by the Florida Office of Insurance Regulation at floir.gov/consumers/wind-mitigation-resources. SaferHome.AI Pinellas County data is based on analysis of publicly available county property and permit records.
Your free SaferHome.AI fortification score shows your current wind mitigation profile, whether your report is current, and whether a Rev. 04/26 inspection is likely to improve your credits — before you spend a dollar.
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