The Wind Mitigation Form Explained
If you own a condo in Florida, you may have heard the term “Wind Mitigation Inspection” or been asked to provide a Wind mitigation form when shopping for insurance.
This report can have a major impact on your premium — and in many cases, it can unlock meaningful discounts.
Below is a clear explanation of what it is, where it came from, and how insurance companies use it.
What Is a Wind Mitigation Form?
A Wind Mitigation Form is an official Florida inspection document that shows how well a building is built to withstand hurricane-force winds.
Insurance companies use this form to determine whether a property qualifies for windstorm premium credits based on:
In short:
The safer the building is in a hurricane, the lower the risk — and the lower the premium.
Where Did the Wind Mitigation Form Come From?
Florida created the wind mitigation program after multiple severe hurricane seasons led to huge insurance losses.
The state required insurers to offer discounts for buildings that have proven wind-resistant features.
The current form used statewide is:
OIR-B1-1802 — Uniform Mitigation Verification Inspection Form
This form is regulated by the Florida Office of Insurance Regulation (OIR) and is accepted by most insurance carriers.
Why Do Insurance Companies Offer Credits for Wind Mitigation?Windstorms and hurricanes are the largest drivers of property insurance claims in Florida.
Wind mitigation features reduce the chance of:
Because of this, insurance carriers tie premium credits directly to the construction details shown on the form.
A strong wind mitigation report can often save homeowners hundreds (or even thousands) per year.
Download the Official Florida Wind Mitigation Form. Here is the actual state-approved form:
Current Form: OIR-B1-1802 (01/2012)
New Form: Coming 04/2026.
Understanding the Sections of the Wind Mitigation Form
The form is broken into clear sections. Here’s what each one means:
Section 1: Building Information
This confirms basic details such as:
Why it matters:
Newer buildings may qualify automatically for stronger building-code credits.
Section 2: Roof Covering
This section identifies the type of roof covering, such as:
It also asks when the roof was installed.
Why it matters:
Newer roofs built under updated Florida Building Code standards may receive significant discounts.
Section 3: Roof Deck Attachment
This measures how the roof decking is attached to the trusses or rafters.
Examples include:
Why it matters:
Stronger attachments reduce the likelihood of roof uplift in hurricanes.
Section 4: Roof-to-Wall Attachment
This is one of the most important sections.
The inspector checks how the roof structure is connected to the walls, such as:
Why it matters:
Better connections greatly reduce catastrophic roof loss.
Section 5: Roof Geometry
This describes the roof shape:
Why it matters:
Hip roofs perform much better in hurricanes and receive major credits.
Section 6: Secondary Water Resistance (SWR)
This confirms whether the roof has an additional moisture barrier beneath the covering.
Why it matters:
SWR reduces interior water damage if shingles or tiles are blown off.
Section 7: Opening Protection
This section covers:
Why it matters:
Protected openings prevent pressurization and major structural failure.
Section 8: Building Code Compliance
This checks whether the building was constructed or updated under Florida’s strengthened hurricane codes.
Why it matters:
Buildings built after major code changes may qualify for automatic mitigation credits.
Do all Condo Owners Need a Wind Mitigation Form?
Sometimes yes — sometimes no.
For condo unit owners (HO-6 policies), wind mitigation credits often depend on:
If your condo association already has a mitigation report on file, you may not need a new one. Contact your condo association or property manager and request the last Wind Mitigation Inspection for your building. If they have one on this, they will typically send it to you.
This report can have a major impact on your premium — and in many cases, it can unlock meaningful discounts.
Below is a clear explanation of what it is, where it came from, and how insurance companies use it.
What Is a Wind Mitigation Form?
A Wind Mitigation Form is an official Florida inspection document that shows how well a building is built to withstand hurricane-force winds.
Insurance companies use this form to determine whether a property qualifies for windstorm premium credits based on:
- Roof shape and design
- Roof-to-wall attachment strength
- Opening protection (impact windows, shutters)
- Secondary water resistance
- Building code compliance
In short:
The safer the building is in a hurricane, the lower the risk — and the lower the premium.
Where Did the Wind Mitigation Form Come From?
Florida created the wind mitigation program after multiple severe hurricane seasons led to huge insurance losses.
The state required insurers to offer discounts for buildings that have proven wind-resistant features.
The current form used statewide is:
OIR-B1-1802 — Uniform Mitigation Verification Inspection Form
This form is regulated by the Florida Office of Insurance Regulation (OIR) and is accepted by most insurance carriers.
Why Do Insurance Companies Offer Credits for Wind Mitigation?Windstorms and hurricanes are the largest drivers of property insurance claims in Florida.
Wind mitigation features reduce the chance of:
- Roof failure
- Water intrusion
- Broken windows and structural damage
- Total loss during major storms
Because of this, insurance carriers tie premium credits directly to the construction details shown on the form.
A strong wind mitigation report can often save homeowners hundreds (or even thousands) per year.
Download the Official Florida Wind Mitigation Form. Here is the actual state-approved form:
Current Form: OIR-B1-1802 (01/2012)
New Form: Coming 04/2026.
Understanding the Sections of the Wind Mitigation Form
The form is broken into clear sections. Here’s what each one means:
Section 1: Building Information
This confirms basic details such as:
- Property address
- Year built
- Inspector information
- Building permit data
Why it matters:
Newer buildings may qualify automatically for stronger building-code credits.
Section 2: Roof Covering
This section identifies the type of roof covering, such as:
- Shingle
- Tile
- Metal
- Flat roof systems
It also asks when the roof was installed.
Why it matters:
Newer roofs built under updated Florida Building Code standards may receive significant discounts.
Section 3: Roof Deck Attachment
This measures how the roof decking is attached to the trusses or rafters.
Examples include:
- Nails (common in older construction)
- Ring-shank nails (stronger)
Why it matters:
Stronger attachments reduce the likelihood of roof uplift in hurricanes.
Section 4: Roof-to-Wall Attachment
This is one of the most important sections.
The inspector checks how the roof structure is connected to the walls, such as:
- Toe nails
- Clips
- Single wraps
- Double wraps (strongest)
Why it matters:
Better connections greatly reduce catastrophic roof loss.
Section 5: Roof Geometry
This describes the roof shape:
- Hip roof (best for wind resistance)
- Gable roof
- Flat roof
Why it matters:
Hip roofs perform much better in hurricanes and receive major credits.
Section 6: Secondary Water Resistance (SWR)
This confirms whether the roof has an additional moisture barrier beneath the covering.
Why it matters:
SWR reduces interior water damage if shingles or tiles are blown off.
Section 7: Opening Protection
This section covers:
- Impact-rated windows
- Hurricane shutters
- Impact-rated doors
- Garage door protection
Why it matters:
Protected openings prevent pressurization and major structural failure.
Section 8: Building Code Compliance
This checks whether the building was constructed or updated under Florida’s strengthened hurricane codes.
Why it matters:
Buildings built after major code changes may qualify for automatic mitigation credits.
Do all Condo Owners Need a Wind Mitigation Form?
Sometimes yes — sometimes no.
For condo unit owners (HO-6 policies), wind mitigation credits often depend on:
- Whether the association has a current report
- Whether the unit has impact windows or shutters
- Whether the carrier applies building-level credits
If your condo association already has a mitigation report on file, you may not need a new one. Contact your condo association or property manager and request the last Wind Mitigation Inspection for your building. If they have one on this, they will typically send it to you.