        Insurance & Grants • August 2026 • 14 min read
      

Florida Windstorm Insurance Discounts: How to Save 45%–65% with Form OIR-B1-1802

How to maximize windstorm mitigation insurance credits in Florida using Form OIR-B1-1802: Opening protection verification, roof geometry credits, and secondary water barrier sign-offs.

1. Understanding the Uniform Mitigation Verification Inspection (Form OIR-B1-1802)

In Florida, insurance carriers are legally mandated under Florida Statute § 627.711 to provide substantial premium discounts for verified windstorm mitigation features. The standardized inspection form (OIR-B1-1802) evaluates 7 critical structural categories.

The 7 Mitigation Inspection Categories

1. Building Code Compliance (Year built or fully permitted post-2002)
2. Roof Covering (FBC approved metal or tile with valid NOA)
3. Roof Deck Attachment (5/8" CDX decking with 8d ring-shank nails at 6" spacing)
4. Roof-to-Wall Connection (Double wraps or engineered hurricane clips)
5. Roof Geometry (Hip roof shape vs. Gable roof shape)
6. Secondary Water Resistance (SWR) (Self-adhering peel-and-stick underlayment)
7. Opening Protection (Category A1) (100% certified impact glass on all windows, doors, and skylights)

2. The 'All or Nothing' Rule for Opening Protection (A1 Credit)

To receive the highest tier credit (A1 - Class A Opening Protection), 100% of all exterior openings—including front entry doors, sliding glass doors, garage doors, and small bathroom hopper windows—must have verified impact certification. If even one single opening is unrated, the entire A1 credit is forfeited.

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Florida Windstorm Insurance Discounts: How to Save 45%–65% with Form OIR-B1-1802 Architectural Blueprint Engineering Schematic | Six Senses Builders

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Certified Engineering Specification

Florida Windstorm Insurance Discounts: How to Save 45%–65% with Form OIR-B1-1802: Technical Cross-Section & Wind Load Schematics

All structural assemblies are engineered to withstand Category 5 wind loads (+110/-140 PSF design pressure) in compliance with Florida Building Code 8th Edition (2023) § 1620, High-Velocity Hurricane Zone (HVHZ) protocols, and ASTM E1996 / TAS 201 missile impact standards.

✓ ASCE 7-22 Velocity Certified
✓ Miami-Dade NOA Compliant
✓ Florida CGC1539897 Authority
✓ 100% Salt-Resistant Seals