New OIR-B1-1802 Wind Mitigation Form for Miami Homes

Florida rolled out the OIR-B1-1802 (Rev. 04/26) wind mitigation form, and every new inspection must use it starting April 1, 2026.

If you own a home in Miami, this change touches your roof inspection, your paperwork, and eventually your insurance credits.

The updated version asks for more detail, more photos, and stricter documentation than the old one.

Most credits will remain the same for now, but insurers are expected to begin applying them under the new rules around July 2026.

What Is the New OIR-B1-1802 Wind Mitigation Form?

The OIR-B1-1802 (Rev. 04/26) is Florida’s updated wind mitigation inspection form. I

t measures how well your home can withstand strong winds and storms. Insurance companies use it to decide what storm credits you qualify for.

The form covers the same core parts of your home as before. An inspector still checks your roof covering, roof deck, roof-to-wall connections, water resistance, and opening protection. The big difference is depth.

The new OIR-B1-1802 wind mitigation form asks inspectors to substantiate each rating with stronger evidence rather than a quick checkmark.

The state also added a few new items. Homes built to the FORTIFIED Home™ standard can now receive credit for FORTIFIED Roof Silver and Gold certificates.

It also added a “Region” field based on design wind speed using ASCE 7-22 wind zones, plus a roof slope section for homes with more than one slope.

What Changed With Florida Wind Mitigation Inspections in 2026

Florida updated almost every section of the 2026 wind mitigation form, and inspectors now have to document each rating in far more detail.

The changes affect both the questions on the form and the proof an inspector must attach.

You can review the state’s official material on the Florida wind mitigation resources page.

Updated sections on the form

Several existing parts of the form got stricter:

• Building Code: Updated to match recent building guidelines and construction standards.
• Roof Covering: Inspectors must now record permit dates, product approvals, and installation years. Any missing detail must be clearly noted.
• Roof Deck Attachment: New categories specify exact nail spacing, uplift values, and additional system types.
• Roof-to-Wall Attachment: Clearer definitions and new categories that include retrofitted connections.
• Secondary Water Resistance (SWR): Updated standards mean only specific systems qualify, and they require stronger evidence.
• Opening Protection: The form now grades every opening, and the weakest one sets your rating. Damaged openings must be documented.

New items added in 2026

The form added FORTIFIED Home™ credit eligibility, a Region field tied to design wind speed, and a roof slope question for single-family homes with multiple slopes. If two-thirds of your roof has a certain slope, the inspector must calculate and note it.

Do Homeowners Need a New Wind Mitigation Inspection Now?

No, most homeowners do not need a new inspection right away. If your current wind mitigation report was completed within five years before April 1, 2026, and you have not made structural changes, Citizens and other insurers will still accept the older version (Rev. 01/12).

So who should book a new inspection? A few groups should act sooner rather than later:

1. Homeowners whose last inspection is close to the five-year mark.
2. People who have recently replaced a roof or added storm shutters want credit for the upgrade.
3. Anyone buying or refinancing a home in Miami after April 1, 2026, must use the updated form.

If none of those apply to you, there is no rush. Your existing credits stay in place until your report expires.

What Are the New Documentation Requirements?

The new form requires inspectors to fill in every field, attach all required photos, and provide detailed proof for each rating. No blank fields are allowed, and agents must confirm that the photos are included before submitting the report.

This raises the bar for everyone involved. Inspectors now spend more time onsite, take more photos, and write longer reports.

For roof items, they must back up each answer with permit dates, product approvals, and installation years. If a detail is unknown, they must indicate it on the form rather than leave it blank.

There is also a warning attached to the rollout. Submitting the old form version after the April 1, 2026, effective date may trigger a performance violation.

Agents handling Commercial Residential Type I buildings should watch for specific changes that apply to that property type.

One thing that did not change: the digital systems. At this time, no fields were added or changed in Clearinghouse Powered by EZLynx® or PolicyCenter®.

How the New Form Affects Inspection Costs and Insurance Savings

Expect inspection prices to rise, and expect your insurance savings to arrive a little later. More photos, more onsite time, and longer reports mean inspectors charge more for the same visit. That extra cost lands on the homeowner.

The credits themselves are not changing. The same storm credits that were available before are still available now. The timing is the catch. Insurers are not expected to apply credits based on the new form until around July 2026.

If you are closing on a home this spring, your quote may not yet reflect the new-form credits. Build a little cushion into your budget and your expectations so a delayed credit does not surprise you at closing.

Planning Your Next Inspection Around the New Form

The smartest move is to check the date on your current wind mitigation report. If it is recent and your home has not changed, you are set for now.

If it is aging, or you have upgraded your roof or openings, schedule a new inspection with Florida Inspections Unlimited, who knows the OIR-B1-1802 wind mitigation form well, and ask how the July 2026 credit timing could affect your policy.