The OIR-B1-1802 form April 1 2026 update is official—and it matters for wind mitigation credits.. The biggest mistake homeowners make is assuming “I have upgrades, so I’ll get credits.” In reality, credits are awarded for verified features + insurer-acceptable proof. If the proof is weak, the credits get downgraded—even if the house is upgraded.
Florida’s Office of Insurance Regulation (OIR) lists the wind mitigation resources and confirms an updated OIR-B1-1802 form effective April 1, 2026.
External resources (DoFollow):
- OIR wind mitigation resources: https://floir.gov/consumers/wind-mitigation-resources
- Current OIR-B1-1802 PDF: https://floir.gov/docs-sf/default-source/property-and-casualty/oir-b1-1802.pdf
- Florida CFO guide on mitigation discounts: https://www.myfloridacfo.com/docs-sf/consumer-services-libraries/consumerservices-documents/understanding-coverage/consumer-guides/premium-discounts-for-hurricane-loss-mitigation.pdf
Below is the real-world checklist to prepare your home and your paperwork so your credits “stick” through underwriting review.
What changes for you (even if you don’t read the fine print)
You don’t need to memorize the form. You need to understand what insurers tighten during form updates:
- Verification standards get stricter (better photos, clearer proof)
- Weakest-link rules still apply (one weak opening can drag a category down)
- Documentation wins (permits/invoices/photos beat “trust me” every time)
Treat the OIR-B1-1802 form April 1 2026 as a documentation project, not a quick inspection.
1) Use the correct form version (transition errors are real)
During any form transition, some inspections get done on the old template, or the inspector’s software hasn’t updated yet. That can create delays, re-inspections, or underwriting pushback.
Before you book, ask one direct question:
“Will you be using the updated OIR-B1-1802 effective April 1, 2026?”
If the answer is vague, find someone else.
2) Attic access is the make-or-break for the biggest credits
Roof deck attachment and roof-to-wall attachment are among the most valuable categories—yet they’re the easiest to lose if the inspector can’t see what they need to see.
Prep like this:
- Clear the attic hatch area
- Provide a safe ladder
- Make sure the attic is accessible (no blocked entry)
- Don’t schedule during unsafe weather
If the inspector can’t document it, the form typically defaults to weaker assumptions.
3) Roof covering proof: stop relying on “it was replaced recently”
Underwriting doesn’t care about verbal history. They care about verifiable records.
Your best proof package:
- Roofing permit + final inspection record
- Contractor invoice with date + scope
- Material/manufacturer info if needed for classification
This is where homeowners lose discounts even when they did replace the roof—because they can’t prove it cleanly.
4) Secondary Water Resistance (sealed deck): underlayment is not automatically SWR
A common myth: “I have underlayment, so I get sealed deck credit.” The OIR form is explicit that standard underlayments don’t qualify as SWR.
If you want SWR credit to survive review, you need:
- Contract/spec stating sealed deck / SWR method
- Photos during installation (best proof)
- Permit trail that matches the timeline
If you don’t have photos, your reroof paperwork becomes even more important.
5) Roof deck attachment: photos must prove fastener type AND spacing
This is one of the most frequently downgraded sections because the photos are too far, too dark, or don’t show spacing clearly.
The photo set that wins:
- Wide attic photo (shows where you are)
- Close-up of fastener (nail type/size)
- Close-up showing spacing pattern (so the inspector can justify the checkbox)
Pro tip: ask for at least 2–3 different attic locations. One “best spot” isn’t always representative.
6) Roof-to-wall attachment: the weakest connection controls the category
If one area has straps but another has toe-nails, the report may be forced to the weaker category.
What inspectors need:
- Photos of multiple truss/rafter connection points
- Evidence of the strap/clip type and how it’s fastened
- Clear shots that aren’t blurry or cropped too tight
If you did retrofits, keep the permit + contractor paperwork together in the same PDF as the photos.
7) Opening protection: one weak opening can kill the discount
This is the easiest place to “think you’re covered” and still lose credits.
What undermines opening protection credit:
- One window with no documented protection
- Garage door without rating label/documentation
- Mismatched product approvals (paperwork doesn’t match what’s installed)
Best proof package:
- Permit records for windows/doors
- Product approval sheets
- Photos of labels/etchings/ratings where present
- Garage door label photo (if available)
If you can’t prove every opening category, assume underwriting will reduce the credit.
8) Build a “single PDF evidence file” (this stops downgrades)
This is the simplest “pro move” that keeps credits stable.
Create one PDF folder/file that includes:
- Roof permit + invoice
- Any reroof photos showing SWR/sealed deck (if you have them)
- Attic photos labeled by category (deck attachment, roof-to-wall)
- Opening protection permits/approvals
- A summary page listing what’s included
The Florida CFO guidance makes the point clearly: mitigation discounts depend on verified features supported by documentation/photos.
External resource: https://www.myfloridacfo.com/docs-sf/consumer-services-libraries/consumerservices-documents/understanding-coverage/consumer-guides/premium-discounts-for-hurricane-loss-mitigation.pdf
This is how the OIR-B1-1802 form April 1 2026 inspection survives underwriting scrutiny.
9) Know when to re-run the inspection (so you don’t leave money on the table)
Re-run wind mitigation after:
- Reroofing
- Sealed deck/SWR upgrade
- Window/door/garage door upgrades
- Roof-to-wall retrofit work
You only get new credits when a new report proves the new features.
Internal links (Roof Roof)
If you want help verifying what you qualify for and what to document, start here:
- Roofing services: https://roofccc.com/services/
- Contact: https://roofccc.com/contact/
- More guides: https://roofccc.com/blog/
Investor note (why this is money, not paperwork)
For investors, wind mitigation documentation is part of the property’s “asset file.” It can reduce insurance friction, stabilize operating costs, and reduce surprises during resale. If you want upgrade sequencing and ROI planning around Florida properties, visit:
https://jreyesinvestments.com
When a GC coordination layer matters
If your inspection shows missing items that require multiple trades (roofing, openings, structural connections, permitting), coordination becomes the bottleneck. For project management and permit/scope coordination, visit:
https://toltcgc.com
CTA
The OIR-B1-1802 form April 1 2026 update is an opportunity if you prepare correctly. Don’t treat wind mitigation as “an inspection.” Treat it as proof + documentation + photos—because that’s what determines credits and premium impact. If you’re in Central Florida, Roof Roof can help you confirm what you have, identify what’s missing, and build a documentation package that underwriters can’t easily downgrade.
OIR-B1-1802 form April 1 2026