OIR-B1-1802 Wind Mitigation Form: What It Documents
The OIR-B1-1802 is Florida’s official wind mitigation inspection form. A licensed inspector records roof attachment, roof geometry, secondary water resistance, roof-to-wall connections, and opening protection so carriers can apply hurricane discounts—Green Foot completes it from $100 with same-day delivery.
What is the OIR-B1-1802 used for?
Insurers statewide—including Citizens and private carriers—use this standardized form to calculate wind/hurricane credits. It does not replace a 4-point inspection (eligibility) or a full buyer inspection. For how these reports work together, use the Florida insurance inspections guide. This article focuses on the form sections themselves.
Which sections appear on the form?
| Topic | What inspectors document |
|---|---|
| Building information | Address, stories, occupancy, year built where known |
| Roof covering | Material, age estimate, condition category |
| Roof deck attachment | Nail/screw schedule and method where verifiable |
| Secondary water resistance (SWR) | Underlayment systems that limit water entry if covering fails |
| Roof-to-wall connection | Clips, single/double wraps, or other hardware where visible |
| Roof geometry | Hip vs gable (and related shape credits) |
| Opening protection | Impact glass, shutters, or other rated protection and coverage |
| Photos | Labeled images supporting each credited feature |
Which features usually move the discount?
- Opening protection: Often the largest single credit when openings are fully protected to the rating your carrier recognizes.
- Hip roof: Better wind performance than many gable designs—credits vary by carrier.
- Roof deck attachment + SWR: Newer roofs frequently pick up stronger categories here.
- Roof-to-wall hardware: Visible clips or wraps can improve credits versus undocumented connections.
Combined credits commonly land in the 20–40% range off the wind portion for well-mitigated South Florida homes; some feature stacks go higher. Your declarations page after endorsement is the proof of actual dollars saved.
Do I need a new form after a roof replacement?
Yes—update the OIR-B1-1802 after a new roof so deck attachment, SWR, and covering age match reality. Waiting until renewal with an outdated form leaves discounts on the table. Schedule through our wind mitigation inspection page after the roofing contractor finishes.
How long does the inspection take?
Most visits run 45–90 minutes. Attic access matters for deck attachment and roof-to-wall observation. We deliver the completed form with labeled photos the same day for agent submission.
Where Green Foot inspects
We complete OIR-B1-1802 inspections across Miami-Dade, Broward, and Palm Beach—including cities like Fort Lauderdale and West Palm Beach. Bilingual service is available.
Why attic access matters on OIR-B1-1802
Many credit categories depend on seeing deck fasteners and roof-to-wall hardware from the attic. Cleared hatches, safe ladder space, and unlocked gates prevent “unable to verify” notes that leave discounts on the table. If the attic is inaccessible, we document what is visible from the exterior and note limitations clearly so your agent understands residual risk.
How agents and carriers use the completed form
Your agent submits the PDF with labeled photos into the carrier’s underwriting portal. Credits appear on the wind line of the quote once the form is accepted. If a feature was marked lower than you expected (for example, partial shutter coverage), ask whether upgrading openings and re-inspecting will move you into a better category. Shopping carriers with the same OIR-B1-1802 often reveals different credit tables even when the physical home is unchanged.
Should you order wind mitigation and a 4-point together?
Frequently yes for homes about 20+ years old: the 4-point supports eligibility while OIR-B1-1802 supports price. One visit, two PDFs, and clearer timing for closing or renewal. Green Foot bundles these regularly; see pricing notes on the wind mitigation and 4-point service pages.
Frequently asked questions
Florida’s official wind mitigation form used to document hurricane-resistant features for insurance discounts.
Typically five years, or sooner if you replace the roof or change opening protection—confirm with your carrier.
Many homeowners see about 20–40% off the wind portion when features qualify; your carrier’s credit table controls the exact amount.
No replacement form—OIR-B1-1802 remains the standard wind mitigation inspection form in 2026.
Ready to schedule?
Call (786) 301-5677 or book online. Same-day and next-day appointments available across Miami-Dade, Broward, and Palm Beach.