Florida Form OIR-B1-1802: Complete Engineering Checklist to Save 45%–65% on Insurance

How Florida homeowners save $8,000–$25,000 annually on windstorm insurance premiums by verifying A1 Opening Protection, Double Wrap truss connections, and SWR roof barriers.

1. Understanding the 7 Critical Verification Sections

Florida Statute § 627.711 mandates that property insurers provide statutory premium discounts for verified hurricane mitigation features evaluated on Form OIR-B1-1802. In South Florida, where annual windstorm premiums often exceed $20,000, passing all seven sections reduces premiums by 45% to 65%.

2. The Strict A1 Opening Protection Standard

To qualify for the Category A1 credit, 100% of all exterior glazed and unglazed openings—including windows, entry doors, sliders, garage doors, and skylights—must have documented Large Missile Impact certification (TAS 201 / ASTM E1996 Level D). If even one window is unrated, the entire opening protection discount is forfeited.