How to Cut Florida Windstorm Insurance by up to 45% (Form OIR-B1-1802 Breakdown)

Why Windstorm Insurance in Florida is Tied to Opening Protection

With Florida homeowner insurance premiums at historic highs, wind mitigation credits provide the largest legal discount available on residential policies—often reducing annual windstorm premiums by 35% to 45%.

The 7 Sections of Form OIR-B1-1802

To qualify for maximum credits, every exterior aperture must be certified under Section 7 (Opening Protection):

• Class A Opening Protection (HVHZ Miami-Dade NOA): All exterior windows, entry doors, pivot doors, sliding glass doors, garage doors, and skylights must carry Large Missile impact certification.
• Roof Deck Attachment (Section 3): 8d ring-shank nails spaced at 6 inches on center into 5/8" CDX plywood.
• Roof-to-Wall Connection (Section 4): Double hurricane straps or clip tie-downs anchored with 3+ nails per bracket.
• Secondary Water Resistance (SWR) (Section 6): Self-adhering modified bitumen underlayment beneath roof coverings.

A full-home impact window and standing-seam metal roof retrofit by Six Senses Builders (#CGC1539897) qualifies for 100% of these credits, providing immediate cash-flow ROI from day one.