What the OIR-B1-1802 is
The OIR-B1-1802, officially the Uniform Mitigation Verification Inspection Form, is Florida's standardized document for recording a home's verified wind-resistant construction features. "Uniform" is the operative word — every insurer operating in Florida is required to accept this same form, in this same format, as the basis for wind mitigation premium credits under Fla. Stat. §627.0629. You don't fill out a different form for each carrier.
The form itself doesn't set your discount amount. It documents facts about your home's construction — roof shape, roof deck attachment, roof-to-wall connections, secondary water resistance, and opening protection — and each insurer applies its own filed rate credits to those documented facts. We walk through what those categories actually mean during an inspection in our wind mitigation inspections guide.
The April 1, 2026 revision
A revised version of the OIR-B1-1802 took effect April 1, 2026. If you have an older inspection report on file from before that date, it's worth confirming with your inspector or insurer whether it needs to be redone on the current form, or whether it remains valid under its original five-year term. Revisions to this form periodically tighten definitions or documentation requirements in specific categories — inspectors performing inspections after April 1, 2026 should be using the current version.
How long a completed form is valid
Once completed, an OIR-B1-1802 inspection is valid for five years from the inspection date. That's a meaningful commitment period — you're not re-verifying your home's wind mitigation features every renewal, only every five years, unless something changes (a roof replacement, for example) that would reasonably require a new inspection sooner to reflect the updated construction.
Who is qualified to complete it
The form must be completed by a qualified inspector under Florida law (Fla. Stat. §627.711) — generally a licensed contractor, a professional engineer or architect, or a certified home inspector who meets the statutory qualification criteria. [confirm whether Everseal's license qualifies] We can refer homeowners to a qualified inspector for this specific form; we're not positioning ourselves as able to self-certify it unless that's clearly within scope of a specific team member's license.
What opening protection documentation looks like on the form
For the opening protection section specifically — the part most relevant to impact windows, doors, and garage doors — the inspector needs to verify that every exterior opening on the home meets the same level of protection consistently. That typically means having your product approval documentation on hand (Florida Product Approval numbers or Miami-Dade NOA numbers, whichever applies) so the inspector can confirm the installed products are genuinely impact-rated, not just marketed that way. Keep your installation paperwork from any window, door, or garage door project — it directly supports this part of the inspection.
How to use the completed form with your insurer
Once your qualified inspector signs and dates the form, you submit it to your homeowners insurance carrier, generally through your agent or directly through the carrier's policy service channels, depending on how your policy is set up. Ask your agent specifically how they want the form delivered and whether a re-rate or re-quote will show up in your next renewal cycle versus mid-term. Each carrier processes this differently, and the actual dollar impact on your premium is determined by that carrier's own filed wind mitigation credit schedule — not by us, and not by the inspector.
Common mistakes that reduce or void credits
A few things regularly cause a homeowner to get less credit than expected: inconsistent opening protection (one unprotected garage door or skylight can limit the whole opening-protection category), an inspection performed by someone who doesn't meet the statutory qualification requirements, or a form that's expired past its five-year term without being renewed. Getting the inspection done correctly the first time, by a qualified inspector, with complete documentation for every opening, avoids most of these issues.
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