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A wind mitigation inspection documents the features of your home that help it resist wind damage: how the roof is attached, what protects your windows and doors, and more.
MIA Inspections records those features on the Florida Uniform Mitigation Verification Inspection Form (OIR-B1-1802, Rev. 04/26), the state form insurers use to review wind mitigation credits. We inspect homes across Miami-Dade, Broward and Palm Beach, including Hialeah, Doral, Coral Gables and Fort Lauderdale.
Call (786) 972-0663 or book online.
It’s a focused, visual inspection of the construction features that affect how a home handles high wind. The inspector checks the roof, the attic, and the windows, doors and other openings, and photographs what they find. They then complete the OIR-B1-1802 form, which you can send to your insurance agent or carrier.
It’s not a full home inspection, and it doesn’t rate the condition of your roof, plumbing or electrical systems. For that, see our residential home inspection and 4-point inspection.
The current OIR-B1-1802 form (Rev. 04/26) has nine sections. In plain terms:
For a deeper walk-through of each section, read our guide: Florida wind mitigation form explained.
Your insurer reviews the completed form when it decides which wind mitigation credits, if any, apply to your policy.
A completed form may help support a credit, but how much it affects your premium depends on your insurer, your policy and the features documented. We can’t predict or promise a premium change. The form itself notes that some items listed may not qualify for a discount.
What we provide is an accurate, photo-supported record of what’s on your home. Ask your agent how they’ll apply the form before and after you book.
Your insurer decides the amount of any credit.
Paperwork helps the inspector document features that are hard to confirm visually:
If you don’t have documents, the inspector records what can be verified on site. Some items can only be recorded on the form with paperwork or photos, so it’s worth gathering what you can before the visit.
South Florida homes are built and upgraded with hurricane season in mind, and it shows on the form. Many have impact windows, accordion or roll-down shutters, reinforced garage doors or newer roofs.
Each of these may only count if it can be documented. In Miami-Dade and Broward, impact windows, doors and shutters are usually documented with a Miami-Dade County Notice of Acceptance (NOA) number or a Florida Product Approval number, shown on a product label or in permit or purchase records.
If you’ve upgraded your roof or openings since your last form, a new inspection records the change.
Insurers often ask for both, and they’re different reports:
| Wind mitigation | 4-point | |
|---|---|---|
| What it covers | Wind-resistance features: roof attachment, roof shape, openings | Roof, electrical, plumbing and HVAC condition |
| Form | OIR-B1-1802 | Insurer or carrier 4-point form |
| Typical reason | Wind mitigation credits | Insurability, often for older homes |
You can book both at the same visit. See 4-point inspections.
You receive the completed OIR-B1-1802 form with supporting photos, ready to send to your insurer.
See a sample wind mitigation report. The sample was completed on the earlier edition of the form (Rev. 01/12). Inspections completed on or after April 1, 2026 use Rev. 04/26.
A wind mitigation inspection is a visual inspection that records features we can see or verify with documents on the day of the inspection. It is not a warranty, a code inspection or a promise of any insurance discount. Your insurer decides the amount.
It’s a visual inspection that documents the features of your home that help it resist wind: roof slope and covering, roof deck and roof-to-wall attachment, roof shape, secondary water resistance and opening protection. The inspector records them on the Florida OIR-B1-1802 form.
Your insurance agent or carrier. They review the form when deciding which wind mitigation credits apply to your policy. We send the completed form and photos to you, and you can pass them to your insurer.
It depends on your insurer, your policy and the features found on your home. The inspection documents what’s there. Your insurer decides how, or whether, that changes your premium. Ask your agent before you book.
The state form says up to five years if the home has had no material changes and the form has no inaccuracies. Ask your agent how your insurer applies it. After a roof or opening upgrade, a new inspection can record the change.
Permit or build dates, roof permit or replacement records, and product approval or receipts for impact windows, doors, garage doors or shutters. Without paperwork, the inspector records what can be verified on site.
Yes, where it’s safely accessible. The attic is where the inspector checks roof deck attachment and the roof-to-wall connections. Please make sure the attic hatch is clear before the visit.
It depends on the building and your policy. Some condo unit owners are asked for opening protection documentation. Check with your insurer and association.
A wind mitigation inspection documents wind-resistance features on the OIR-B1-1802 form. A 4-point inspection reports the condition of the roof, electrical, plumbing and HVAC systems. Insurers often ask for both, and you can book them together.
It depends on the property and any add-on inspections. We’ll tell you when to expect your report when you book.
Book your wind mitigation inspection in Miami. Call (786) 972-0663 or book online. You can add a 4-point inspection at the same visit.
Full home inspections, wind mitigation, 4-point, roof, and balcony inspections across Miami-Dade, Broward, and Palm Beach.
Mon–Sat 8:00 AM – 6:00 PM
Call (786) 972-0663
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