PBC Inspections

Condo wind mitigation and 4-point inspections in Florida

Checked

Not insurance advice. General information only. Your insurer or agent decides what it needs.

Short answer: Citizens uses the standard OIR-B1-1802 wind mitigation form for condominiums in buildings of one to three stories. In buildings with four or more stories, condo unit owners seeking mitigation credits need Citizens' Building Type II and III Mitigation Inspection Form (MIT-BT II and III) instead. Citizens says four-point inspections are not applicable to condominium risks.

Which wind mitigation form fits your building

Citizens lists the OIR-B1-1802 for single-family dwellings, one-to-four-unit residential dwellings including apartments and condominiums, and residential buildings with one to three stories, including apartments and condominiums with five or more units. It says the MIT-BT II and III form is required for personal residential condominium unit owners or commercial residential applicants seeking mitigation credits in buildings with four or more stories.

The MIT-BT II and III form defines Type II as 4 to 6 stories and Type III as 7 or more stories. The OIR-B1-1802 has its own nod to larger buildings: its flat roof answer in question 7 is for a building with five or more units where at least 90% of the main roof area has a slope of less than 2:12. To see how the rest of that form works, read the OIR-B1-1802 form explained.

What the MIT-BT II and III form checks

The form starts with the building's terrain exposure category (C or B) and its basic wind speed or wind speed design. Those certifications do not require personal inspection of the premises, and the form says to complete the wind speed and wind design certifications for Terrain B only if the year built is Jan 1, 2002 or later. It then has four sections:

  • Roof coverings: Level A is Non-FBC Equivalent and Level B is FBC Equivalent. For Level B, the form lists meeting the 2001 Florida Building Code or later, or the 1994 South Florida Building Code, with a Miami-Dade Notice of Acceptance or FBC 2001 product approval. It also requires tied-down mechanical equipment, face-fastened flashing on flat roofs and asphalt flat roofs that are 10 years old or less.
  • Roof deck attachment: Level A is wood or other deck (Type II only), Level B is metal deck and Level C is reinforced concrete.
  • Secondary water resistance: the form names peel-and-stick underlayment at least 6 inches wide meeting ASTM D 1970 over the deck joints, or foamed adhesive. Felt does not qualify.
  • Opening protection: Class A calls for products meeting the Large Missile 9 lb tests on all glazed openings less than 30 feet above grade. Class B uses the Large Missile 4.5 lb tests for those openings. In both classes, glazed openings 30 to 60 feet above grade must meet the Small Missile test, and in the High Velocity Hurricane Zone so must openings above 60 feet.

At least one photo of each visible and accessible feature in sections 1 through 4 is required, and documentation used to validate the features must go with the form. The form says it is valid for up to five years if no material changes have been made to the structure and no inaccuracies are found on it. Our guide to how long inspection reports are valid covers the other forms.

Who can sign each form

The MIT-BT II and III form lists four signers: a general or building contractor licensed under s. 489.111, a building code inspector certified under s. 468.607, an architect licensed under s. 481.213 and an engineer licensed under s. 471.015. The signer certifies that they personally inspected the premises. Home inspectors are not on that list.

The OIR-B1-1802 lists the same four plus a home inspector licensed under s. 468.8314 who has completed the statutory hours of hurricane mitigation training. Citizens says a form may not be accepted if the inspection was not done by the appropriate professional or the professional's license can't be verified. You can look up a license on DBPR before you book.

The MIT-BT II and III form also has an applicant signature, and for condo and homeowners' associations that signature must come from the board president and another member of the board.

4-point inspections and condos

Citizens' FAQ on four-point report age says a 4-point must be dated within 12 months before a new-business application, and it notes that four-point inspections are not applicable to tenant named insured and condominium risks. Other insurers set their own rules, so ask your agent which reports your unit policy needs.

Opening protection in a condo building

For Citizens personal lines policies, Class A or B opening protection means all exterior openings or all glazed exterior openings in the building are fully protected, including doors, windows, skylights and vents other than roof ridge, gable, soffit and plumbing vents. Products must meet the Florida or Miami-Dade product approval systems. Our guide to impact windows and shutters covers how the OIR-B1-1802 grades openings.

Florida Statutes s. 718.113(5) requires each residential condominium board to adopt hurricane protection specifications for each building, and they must comply with the applicable building code. If the condominium documents require approval, the board may not refuse a unit owner's installation or replacement of hurricane protection that conforms to those specifications. With a majority vote of the voting interests, the board may install hurricane protection or require unit owners to install it.

What the association insures

Florida Statutes s. 718.111(11) says every condominium association must have adequate property insurance. The association's policy must cover all portions of the condominium property as originally installed, but it excludes personal property in the unit, floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments. The statute says that property and any insurance on it is the unit owner's responsibility, and a unit owner's policy must conform to s. 627.714.

My Safe Florida Home and attached homes

Under s. 215.5586, a free My Safe Florida Home inspection is for a single-family unit on an individual parcel of land that is either detached or attached and not more than three stories. The home must be site-built and owner-occupied, and the applicant needs a homestead exemption. See My Safe Florida Home vs. a private inspection for how the program compares.

Before you book

  • Count the stories: the building's height decides whether Citizens uses the OIR-B1-1802 or the MIT-BT II and III form.
  • Check the signer: for a four-story or taller building, the MIT-BT II and III form needs a contractor, building code inspector, architect or engineer.
  • Plan for attic access: Citizens says the inspector needs attic access to verify roof-to-wall, roof-deck and secondary water resistance discounts.
  • Compare prices: 10 of the 16 companies we list publish a wind mitigation price. Listed prices run from $100 to $200, some of them starting prices, with a median of $150 counting each company once. See the Palm Beach County prices page or find an inspector on the city pages.

FAQ

Do condos need a wind mitigation inspection in Florida?

A wind mitigation form is how Citizens verifies mitigation credits. Citizens uses the OIR-B1-1802 for condominiums in buildings of one to three stories and requires its MIT-BT II and III form for condo unit owners seeking mitigation credits in buildings of four or more stories.

Does a condo need a 4-point inspection?

Citizens says four-point inspections are not applicable to tenant named insured and condominium risks. Other insurers set their own rules, so ask your agent.

Can a home inspector sign the MIT-BT II and III form?

No. The form lists a general or building contractor, a building code inspector, an architect or an engineer. The OIR-B1-1802 also allows a licensed home inspector who has completed the required hurricane mitigation training.

Who signs the MIT-BT II and III form for a condo association?

The applicant signature must come from the board president and another member of the board for condo and homeowners' associations.

How long is the MIT-BT II and III form valid?

The form says it is valid for up to five years if no material changes have been made to the structure and no inaccuracies are found on it.

Sources

  • Citizens Property Insurance, Your Wind Mitigation Inspection: citizensfla.com (checked Nov 4, 2026)
  • Citizens, Building Type II and III Mitigation Inspection Form (MIT-BT II & III 6/1/18): citizensfla.com (PDF) (checked Nov 4, 2026)
  • Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), question 7 and qualified inspector certification: floir.gov (PDF) (checked Nov 4, 2026)
  • Citizens, "What is the acceptable age of a four-point inspection report?" (updated 05/20/2026): securesupport.citizensfla.com (checked Nov 4, 2026)
  • Citizens, opening protection for personal lines policies, a_id 1984 (updated 09/29/2026): securesupport.citizensfla.com (checked Nov 4, 2026)
  • Florida Statutes s. 718.111 (2026), subsection (11) insurance: leg.state.fl.us (checked Nov 4, 2026)
  • Florida Statutes s. 718.113 (2026), subsection (5) hurricane protection: leg.state.fl.us (checked Nov 4, 2026)
  • Florida Statutes s. 215.5586 (2026), My Safe Florida Home Program: leg.state.fl.us (checked Nov 4, 2026)