Summary
Learn what Florida Form OIR-B1-1802 is, what a wind mitigation inspection documents, and when insurers may request it.
Quick Answer: OIR-B1-1802 Is Florida’s Uniform Wind Mitigation Inspection Form
Form OIR-B1-1802 is Florida’s Uniform Mitigation Verification Inspection Form. An authorized inspector uses it to document construction features that may help a building resist wind damage. Insurance companies can use the completed form to evaluate applicable wind mitigation credits.
The current version is OIR-B1-1802 Rev. 04/26. Florida requires the revised form for inspections performed on or after April 1, 2026. The form documents features such as building-code compliance, roof covering, roof deck attachment, roof-to-wall attachment, secondary water resistance, roof characteristics, and opening protection.
If your insurance company asked for an OIR-B1-1802 and you are not sure what it needs, Call or Text (407)781-1600. Sun Insurance Services can help you review the insurance request before you schedule an inspection.
What Does OIR-B1-1802 Mean?
OIR-B1-1802 is the identifying number assigned to Florida’s Uniform Mitigation Verification Inspection Form by the Florida Office of Insurance Regulation, commonly called OIR.
Homeowners, inspectors, agents, and insurance companies commonly refer to it by several names:
- OIR-B1-1802
- Uniform Mitigation Verification Inspection Form
- Wind mitigation form
- Wind mit form
- Florida wind mitigation inspection
- Wind loss mitigation form
These terms often refer to the same basic insurance document when discussing a Florida residential wind mitigation inspection.
The form itself does not provide insurance coverage. It records information about the building that an insurer may use when applying its approved wind mitigation rating factors.
If someone told you that you need an “1802,” “wind mit,” or “mitigation form” and you are unsure whether they mean OIR-B1-1802, Call or Text (407)781-1600.
What Is the Purpose of Form OIR-B1-1802?
Form OIR-B1-1802 is used to verify specific wind-resistant construction features of a Florida building for insurance purposes.
Florida homes can differ substantially in how roofs, walls, openings, and other building components are designed and connected. The standardized form gives an authorized inspector a consistent way to document qualifying characteristics.
An insurance company may then use the verified information to determine whether applicable wind mitigation credits can be applied under its rating plan.
OIR-B1-1802 verifies construction features. It does not guarantee a particular insurance discount, premium, eligibility decision, or coverage result.
According to Citizens Property Insurance Corporation’s 2026 Wind Loss Mitigation Guide, the OIR-B1-1802 is used solely to verify a structure’s wind mitigation construction features and is not acceptable proof of roof condition or roof replacement for Citizens.
If you already have the form and want help understanding how it relates to your homeowners insurance, Call or Text (407)781-1600.
What Does the OIR-B1-1802 Wind Mitigation Form Inspect?
The current OIR-B1-1802 documents multiple construction characteristics related to a building’s ability to resist wind damage. Each item must be evaluated according to the form’s requirements and supported by applicable documentation.
| Wind Mitigation Feature | What the Form Helps Document |
|---|---|
| Building Code | Applicable building-code information and qualifying construction criteria. |
| Roof Covering | Roof-covering type, installation information, permits, product approvals, and related documentation when applicable. |
| Roof Deck Attachment | How the roof deck is attached to the roof framing. |
| Roof-to-Wall Attachment | How the roof framing is connected to the walls. |
| Secondary Water Resistance | Whether qualifying secondary water resistance is documented. |
| Roof Characteristics | Applicable roof geometry, region, slope, and other characteristics on the current form. |
| Opening Protection | Qualifying protection for windows, doors, skylights, garage doors, and other applicable openings. |
A wind mitigation inspector cannot simply check the most favorable box. Each applicable characteristic must be verified according to the form’s instructions.
Questions about what an item on your wind mit means? Call or Text (407)781-1600.
What Changed on Form OIR-B1-1802 in 2026?
Florida substantially revised the Uniform Mitigation Verification Inspection Form in 2026. The new OIR-B1-1802 Rev. 04/26 must be used for inspections performed on or after April 1, 2026.
The Florida Department of Financial Services describes the new version as more detailed, with additional categories and specific documentation requirements for verifying entries.
Citizens identified changes involving:
- Building code
- Roof covering
- Roof deck attachment
- Roof-to-wall attachment
- Secondary water resistance
- Opening protection
- FORTIFIED Home certifications
- Design wind-speed region
- Roof slope
If a Florida wind mitigation inspection is performed on or after April 1, 2026, the inspector should use OIR-B1-1802 Rev. 04/26 rather than the older Rev. 01/12 form.
Read our guide to Florida’s new wind mitigation form for more information.
If you received a new or old version and cannot tell whether it is the correct form, Call or Text (407)781-1600.
Is the Old OIR-B1-1802 Rev. 01/12 Still Valid?
An older OIR-B1-1802 Rev. 01/12 is not automatically invalid simply because Florida introduced a revised form in 2026.
The Florida Department of Financial Services states that inspections completed before April 1, 2026 may use the older Rev. 01/12 form. A completed wind mitigation inspection form is valid for up to five years when no material changes have been made to the structure and no inaccuracies are found.
Citizens has also stated that it will continue accepting an OIR-B1-1802 Rev. 01/12 completed within five years before April 1, 2026 when no changes have been made to the structure.
You generally should not order another inspection solely because you noticed that your existing form says Rev. 01/12. Its age, accuracy, property changes, and insurer requirements should be reviewed first.
For more details, read How Long Is a Wind Mitigation Inspection Valid in Florida?
Still unsure whether your old form can be used? Call or Text (407)781-1600.
How Long Is Form OIR-B1-1802 Valid?
A completed Florida wind mitigation inspection form is valid for up to five years when no material changes have been made to the structure and no inaccuracies are found on the form.
The five-year period is measured from the inspection date. However, a significant property change can make previously documented information outdated before five years have passed.
Examples can include:
- Replacing the roof
- Changing roof construction
- Installing new impact windows
- Adding or changing shutters
- Replacing exterior doors
- Completing structural alterations
- Discovering incorrect information on the prior form
“Valid for five years” does not mean an inspection remains accurate after the home has materially changed.
See our full Florida wind mitigation inspection validity guide.
If you want help checking the date on your wind mit, Call or Text (407)781-1600.
Do You Need a New OIR-B1-1802 After Replacing Your Roof?
You may need an updated OIR-B1-1802 after a Florida roof replacement because the previous form may document a roof that is no longer on the home.
A reroof can change information about roof covering, permit dates, installation year, secondary water resistance, roof deck attachment, or other features. The exact effect depends on the scope of work.
A new roof does not automatically mean a new wind mit is required in every insurance situation, but the existing form should be reviewed after the project.
Citizens’ current guidance also indicates that a full OIR-B1-1802 may not be required in certain Citizens situations when a valid completed roofing permit exists and only a roof-cover credit is being requested. Requirements from other insurers can differ.
Read Do I Need a New Wind Mitigation Inspection After Replacing My Roof? for a detailed explanation.
Just replaced your roof? Call or Text (407)781-1600 before ordering paperwork you may not need.
Who Can Complete Form OIR-B1-1802 in Florida?
Florida law limits completion of the Uniform Mitigation Verification Inspection Form to authorized mitigation inspectors and certain appropriately qualified individuals.
The Florida Department of Financial Services identifies authorized inspector categories under Florida law. Depending on applicable licensing and statutory requirements, authorized individuals can include certain:
- Home inspectors
- Building-code inspectors
- General, building, or residential contractors
- Professional engineers
- Professional architects
- Other individuals authorized under Florida law
The exact authority depends on the person’s license and the applicable statutory requirements.
The homeowner should not complete the technical inspection portions of OIR-B1-1802 independently and expect an insurer to treat the document as an authorized wind mitigation inspection.
Citizens states that policyholders can choose a Florida-licensed and authorized inspector and do not have to use a Citizens-endorsed inspection company.
If you are not sure what type of inspector your carrier will accept, Call or Text (407)781-1600.
What Documentation Must Accompany Form OIR-B1-1802?
Supporting documentation is an important part of the OIR-B1-1802 because the inspector must verify the construction attributes entered on the form.
The current Florida form states that documentation used to validate the compliance or existence of applicable construction or mitigation attributes must accompany the form. Photographs are also required for specified mitigation attributes.
Useful documentation may include:
- Roofing permits
- Building permits
- Product approvals
- Notices of acceptance
- Roofing contracts
- Invoices
- Installation records
- Photographs
- FORTIFIED Home certification when applicable
- Other records permitted by the current form
The OIR-B1-1802 is more than a checklist. The documentation supporting its answers can be an important part of the insurer’s review.
Keep copies of the completed form and all supporting documentation with your insurance records.
If you have an OIR-B1-1802 but are missing attachments, Call or Text (407)781-1600 and we can help you understand what your insurer may request.
Why Are Photographs Required With a Wind Mitigation Form?
Photographs provide visual documentation supporting the mitigation characteristics recorded by the inspector on OIR-B1-1802.
The current form requires supporting photographs for specified attributes. Depending on what is being verified, photographs may document roof characteristics, attic components, roof-to-wall connections, opening protection, or other mitigation features.
Citizens advises agents to confirm that an inspection is complete and that all required photographs are attached before submission.
An insurer may question or decline to apply a requested mitigation feature when the documentation required to support that feature is incomplete.
This does not mean every insurance company handles incomplete submissions identically. Carrier procedures can vary.
If your carrier rejected a wind mitigation form because photographs or documentation are missing, Call or Text (407)781-1600 and we can help you understand the insurance request.
Can an Insurance Company Verify an OIR-B1-1802?
Yes. Florida allows an insurance company to independently verify a Uniform Mitigation Verification Inspection Form under applicable law.
The Florida Department of Financial Services explains that, at the insurer’s expense, an insurer may require an OIR-B1-1802 provided by an authorized mitigation inspector or inspection company to be independently verified before accepting it as valid.
An insurance company does not necessarily have to accept every submitted wind mitigation form without reviewing the inspector, documentation, photographs, or reported features.
This is another reason homeowners should use an authorized inspector and retain documentation associated with the inspection.
If your insurance company is questioning your wind mit and you do not understand why, Call or Text (407)781-1600.
Does Form OIR-B1-1802 Guarantee a Wind Mitigation Discount?
No. OIR-B1-1802 does not guarantee a particular homeowners insurance discount or premium.
The form documents mitigation characteristics. The insurance company reviews those characteristics under its applicable rating plan to determine which credits, if any, apply.
Two homes with wind mitigation inspections can receive different results because the documented construction features may differ. Insurance pricing also depends on factors beyond wind mitigation.
A completed OIR-B1-1802 is evidence used in the rating process, not a promise of a specific premium reduction.
The current form itself cautions that some listed items may not qualify for a discount.
Already have an OIR-B1-1802 and want help reviewing it while comparing Florida homeowners insurance? Call or Text (407)781-1600.
Is OIR-B1-1802 the Same as a Four-Point Inspection?
No. OIR-B1-1802 is a wind mitigation inspection form, while a four-point inspection generally provides underwriting information about four major home systems.
| Document | Primary Purpose |
|---|---|
| OIR-B1-1802 Wind Mitigation Form | Documents wind-resistant construction features that may qualify for mitigation credits. |
| Four-Point Inspection | Generally documents roof, electrical, plumbing, and HVAC characteristics for underwriting. |
An insurer may request one, both, or neither depending on the property and underwriting requirements.
A four-point report does not automatically substitute for OIR-B1-1802 when the insurer requires wind mitigation verification.
Likewise, OIR-B1-1802 does not automatically satisfy a carrier’s four-point inspection requirement.
If your insurance company requested an inspection and you are not sure which one to order, Call or Text (407)781-1600 before scheduling it.
Is OIR-B1-1802 Proof That Your Roof Is in Good Condition?
No. OIR-B1-1802 is designed to verify wind mitigation construction features rather than provide a general assessment of roof condition.
Citizens’ current Wind Loss Mitigation Guide specifically states that the form is not acceptable proof of roof condition or roof replacement for its purposes.
An insurance company may separately request:
- A roofing permit
- Proof of roof replacement
- A four-point inspection
- A roof-condition inspection
- Roof photographs
- Invoices or contracts
- Other underwriting documentation
A wind mitigation inspection and a roof-condition evaluation answer different insurance questions.
For more information, read our guide to roof age and Florida homeowners insurance.
Carrier asking you for several different roof documents? Call or Text (407)781-1600.
Do All Florida Homeowners Need Form OIR-B1-1802?
No. Not every Florida homeowner is automatically required to obtain an OIR-B1-1802 simply because they own a home.
A wind mitigation inspection is commonly obtained when a homeowner wants an insurer to evaluate qualifying mitigation features or when the insurer requires particular verification for underwriting.
Citizens, for example, identifies circumstances in which a full OIR-B1-1802 may not be required, such as when only certain features are being verified through acceptable alternative documentation. Citizens also has specific opening-protection requirements for certain properties.
Whether you need OIR-B1-1802 depends on the property, insurer, mitigation features being claimed, and applicable underwriting requirements.
Do not assume that your neighbor’s insurance requirements will be identical to yours.
If someone told you that you need a wind mit and you want to confirm what your insurance carrier actually requires, Call or Text (407)781-1600.
How Should You Prepare for an OIR-B1-1802 Inspection?
You can prepare for a wind mitigation inspection by making relevant areas of the home accessible and gathering records that may help document construction features.
- Locate your previous wind mitigation inspection, if one exists.
- Gather roofing permits and replacement records.
- Collect impact-window, door, and shutter documentation.
- Find product approvals or notices of acceptance when available.
- Make attic access available and remove obstacles when it can be done safely.
- Tell the inspector about renovations or mitigation improvements.
- Retain a copy of the completed OIR-B1-1802 and all supporting photographs and documentation.
- Send the requested documents to your insurance agent or company for review.
Good documentation can help the inspector verify features that may not be identifiable from appearance alone.
Citizens specifically recommends making attic access available and gathering items such as work orders, invoices, roofing permits, and product documentation before an inspection.
Need help determining what the insurance company wants before the inspection? Call or Text (407)781-1600.
How Can Sun Insurance Services Help With OIR-B1-1802?
Sun Insurance Services can help Florida homeowners understand how an OIR-B1-1802 relates to a homeowners insurance quote, renewal, or carrier documentation request.
Sun Insurance Services can review the insurance side of your situation, including the date of an existing wind mit, whether the report predates a roof replacement or other property improvement, and what documentation the applicable insurance company may require.
The inspector determines and documents the home’s mitigation features. The insurance company determines how those documented features affect the policy.
Sun Insurance Services can also help compare homeowners insurance options from insurance companies the agency represents, subject to carrier underwriting, availability, and eligibility.
Learn more in our Florida homeowners insurance guide.
If you have an OIR-B1-1802 sitting in front of you and do not understand what to do with it, Call or Text (407)781-1600.
Related Florida Wind Mitigation Questions
These related guides can help if you are reviewing an OIR-B1-1802, replacing a roof, or preparing for a homeowners insurance renewal:
- How Long Is a Wind Mitigation Inspection Valid in Florida?
- Do I Need a New Wind Mitigation Inspection After Replacing My Roof?
- Florida’s New Wind Mitigation Form Is Now in Effect
- Florida Homeowners Insurance Guide
Have a wind mit question that is not answered here? Call or Text (407)781-1600.
Frequently Asked Questions About Form OIR-B1-1802
What is Form OIR-B1-1802 in Florida?
Form OIR-B1-1802 is Florida’s Uniform Mitigation Verification Inspection Form. An authorized inspector uses it to document wind-resistant construction features that an insurance company may evaluate when determining applicable wind mitigation credits. The current version is OIR-B1-1802 Rev. 04/26.
Is OIR-B1-1802 the same thing as a wind mitigation inspection?
OIR-B1-1802 is the standardized form used to record a Florida wind mitigation inspection for applicable residential properties. People commonly refer to the completed document as a wind mit, wind mitigation form, mitigation inspection, or 1802 form.
What version of OIR-B1-1802 should be used in 2026?
Inspections conducted on or after April 1, 2026 must use OIR-B1-1802 Rev. 04/26. The revised form contains additional categories and more detailed documentation requirements than the prior Rev. 01/12 version.
How long is an OIR-B1-1802 valid?
A completed wind mitigation inspection form is valid for up to five years when no material changes have been made to the structure and no inaccuracies are found. Read How Long Is a Wind Mitigation Inspection Valid in Florida? for more information.
Does an OIR-B1-1802 guarantee an insurance discount?
No. The form documents mitigation construction features but does not guarantee a particular credit, premium reduction, or insurance price. Applicable credits depend on verified features, the insurance company’s rating plan, policy information, and other relevant factors.
Do I need another OIR-B1-1802 after replacing my roof?
You may need an updated form when a roof replacement changes information documented on your previous inspection or when your insurer requires updated verification. Read our guide to wind mitigation inspections after roof replacement.
Can I fill out OIR-B1-1802 myself?
The technical inspection must be completed by an authorized mitigation inspector who meets applicable Florida requirements. Homeowners should use an appropriately authorized inspector and retain the completed form, photographs, and supporting documentation.
Does OIR-B1-1802 replace a four-point inspection?
No. OIR-B1-1802 documents wind mitigation construction features. A four-point inspection generally provides underwriting information about the roof, electrical, plumbing, and HVAC systems. An insurance company may request one or both depending on the property.
Does OIR-B1-1802 prove that my roof is in good condition?
No. OIR-B1-1802 is intended to verify wind mitigation construction features rather than provide a general roof-condition assessment. An insurer may separately request roof permits, photographs, a four-point inspection, proof of replacement, or other underwriting documentation.
Can my insurance company inspect my home again after I submit OIR-B1-1802?
Florida permits an insurer to require independent verification of a submitted Uniform Mitigation Verification Inspection Form at the insurer’s expense in applicable circumstances. The insurer may also review the inspector’s qualifications and supporting documentation before accepting the form.
What documents should I keep with OIR-B1-1802?
Keep the completed form, required photographs, roof permits, building permits, invoices, product approvals, impact-opening documentation, and other records used to verify mitigation features. Documentation requirements depend on the feature being verified and the current form instructions.
Who can help if I do not understand my OIR-B1-1802?
A licensed Florida insurance agent can help explain how the completed form relates to your homeowners insurance, while the inspector should address questions about how specific construction features were identified. For insurance questions, Call or Text (407)781-1600.
Conclusion: OIR-B1-1802 Documents Florida Wind Mitigation Features
OIR-B1-1802 is Florida’s Uniform Mitigation Verification Inspection Form. An authorized inspector uses the form to document construction features associated with wind resistance so an insurance company can evaluate applicable mitigation credits.
The current OIR-B1-1802 Rev. 04/26 became required for inspections performed on or after April 1, 2026. It includes detailed sections addressing building code, roof covering, roof deck attachment, roof-to-wall attachment, secondary water resistance, opening protection, and additional mitigation characteristics.
A valid OIR-B1-1802 can remain usable for up to five years when the structure has not materially changed and the information remains accurate.
OIR-B1-1802 does not guarantee a premium reduction and should not be confused with a four-point inspection or roof-condition report.
If your insurance company asked for an OIR-B1-1802, you replaced your roof, you have an older wind mit, or you cannot determine whether your current form is acceptable, Sun Insurance Services can help you understand the insurance requirements that may apply.
Continue with How Long Is a Wind Mitigation Inspection Valid in Florida? or Do I Need a New Wind Mitigation Inspection After Replacing My Roof?
Customer Reviews
References
- Florida Office of Insurance Regulation: Uniform Mitigation Verification Inspection Form OIR-B1-1802
- Florida Department of Financial Services: Mitigation Notices, Inspections and Forms
- Citizens Property Insurance Corporation: Uniform Mitigation Verification Inspection Form Changes
- Citizens Property Insurance Corporation: 2026 Wind Loss Mitigation Guide
- Citizens Property Insurance Corporation: Your Wind Mitigation Inspection
Last Updated: August 26, 2026
This article is for educational purposes and does not provide legal, construction, inspection, or coverage advice. Insurance availability, eligibility, underwriting, wind mitigation credits, coverage, deductibles, exclusions, and pricing depend on the insurer, property, policy terms, supporting documentation, and individual circumstances. Discuss your specific insurance situation with a licensed Florida insurance agent.