How to Claim the Florida Wind Mitigation Credit After Installation
The exact form, inspection, and paperwork you need to unlock hundreds in annual premium discounts.
- You need a signed OIR-B1-1802 form from a licensed inspector.
- The inspection typically costs $75 – $150 and lasts 5 – 7 years.
- Most homeowners see credits applied within one billing cycle.
Step 1: Finish installation and keep every receipt
Your installer will give you the Notice of Acceptance (NOA) numbers for each product installed. Keep the invoice, permit close-out, and NOA documentation together — you'll need them for the inspector.
Step 2: Book a wind mitigation inspection
Only a Florida-licensed contractor, engineer, architect, or authorized home inspector can complete the Uniform Mitigation Verification Inspection Form (OIR-B1-1802).
Expect to pay $75 – $150. The inspector will photograph every opening, verify NOA compliance, and document roof-to-wall attachments.
Step 3: Send the form to your insurer
Email or upload the signed OIR-B1-1802 directly to your carrier or agent. Most Florida insurers apply credits retroactively to the current policy period.
If your carrier hesitates, quote Florida Statute 627.0629 — it requires insurers to offer premium discounts for approved mitigation features.
Step 4: Re-inspect every 5 – 7 years
The form expires. Set a calendar reminder — re-inspecting on time keeps the discount from silently dropping off your renewal.
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