⚠ Florida's New Wind Mitigation Form Is Now Mandatory
Effective: April 1, 2026
Mandatory · April 1, 2026
The OIR Form Changed.
Your Discounts
May Not Survive It.
Florida's new OIR-B1-1802 (Rev. 04/26) is mandatory now.
Every wind mitigation inspection must use the new form or your credits don't count.
Florida's new OIR-B1-1802 (Rev. 04/26) is mandatory now. Every wind mitigation inspection must use the new form or your credits don't count.
Free to download · No credit card · Pinellas County only
88%
Max Windstorm Discount
$1,100
Avg Credits Missed
5 yr
Form Validity Period
The Foundation
What Is the OIR-B1-1802 — and Why Should You Care?
The OIR-B1-1802 is the Uniform Mitigation Verification Inspection Form — the official document that determines which hurricane hardening features qualify you for mandatory insurance discounts under Florida law.
88%
Maximum windstorm premium discount — it's the law.
Boof covering, deck & geometry — All verified for FBC compliance
Wall connections & water resistance — Documented proof required
Opening protection & garage door — Most missed credits, now strictly enforced
The April 1st Change
The Update That Rewrites Your Discount Eligibility
This is not routine paperwork. The new form reflects the 2024 Residential Wind-
Loss Mitigation Study — stricter proof standards, updated qualifying features.
The April 1st Change
General Observations Accepted
✗ Visual inspection alone was sufficient
✗ Limited photo requirements
✗ Credits assumed without documentation
✗ Variable carrier interpretation
The April 1st Change
Comprehensive Documentation Required
✓ Specific permits & product approvals
✓ High-res photos for every credit attribute
✓ Black-and-white evidence standard
✓ Standardized across all Florida carriers
The Scoring System
Seven Categories.
One Weak Link Costs You Everything.
Your discount is set by the weakest answer in each category. One unprotected opening, one missing photo: your credits are gone.
⚠ The rule most homeowners don't know: If you have Impact Glass on 13 windows and one unprotected opening, you get zero credit for all 14 — under the new Rev. 04/26 form.
For Homeowners
Your Current Wind Mitigation Form Has an Expiration Problem.
The OIR-B1-1802 is valid for five years only. If your inspection was completed in 2021 or earlier — it has expired. Every credit you've been collecting may now be invalid.
01
When was my last wind mitigation inspection?
If 2021 or earlier — your form is expired and every credit is at risk.
02
Does my form reflect every hardening upgrade since then?
New roof, new windows, shutters? The new form needs documented proof of everything.
03
Am I missing credits I qualify for but never claimed?
Average Pinellas homeowner leaves $1,100+ per year in mandatory credits unclaimed.
How It Works
Know Your Score Before the Inspector Arrives.
The only app built for this moment. Before you spend $150 on an inspection, know exactly what your home is worth.
Enter Your Address
Instantly retrieve your property's Resilience Score — pre-loaded for 50,000+ Pinellas County properties.
Complete Hardening Missions
Upload photos. Our GPT-4 Vision AI verifies each feature the same way the Rev. 04/26 form requires.
Upload Your Declarations Page
AI extracts your carrier, deductibles, and missing mandatory credits — surfacing exactly what your insurer owes you.
Dispatch a Licensed Inspector
Connect with a licensed Pinellas County inspector, already briefed on your property profile.
Get Your Blueprint Report
A $29 verified document showing your Category Ceiling, every credit you qualify for, and every upgrade that matters.
For Realtors
The April 1st Change Is Your New Closing Risk.
Every active listing in Pinellas County just became more complicated. A home with an expired OIR-B1-1802 is a commission risk walking into escrow.
Realtor Pro subscribers get a co-branded Blueprint Report for every listing — a verified AI-powered resilience assessment buyers actually trust.
