PBC Inspections

The wind mitigation form, question by question

Checked

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

The Uniform Mitigation Verification Inspection Form, OIR-B1-1802, is the wind mitigation report. Since April 1, 2026, inspections must use Rev. 04/26 (see what changed). The form says at least one photo or document must accompany it to validate each attribute marked in questions 2 through 9. A FORTIFIED Home Roof, Silver or Gold certificate can validate questions 4 to 6, 8 and 9. The form is valid for up to five years if the structure has no material changes and the form has no inaccuracies.

What it asksAnswer choices (summary)
1. Building codeWhich code was in force when the home's permit was applied forA: FBC 2001/2004; B: FBC 2007 or later; C: SFBC-94 (HVHZ only); D: unknown
2. RegionDesign wind speed (ASCE 7-22)HVHZ; Region 1 (140 mph or more); Region 2 (130-139); Region 3 (under 130)
3. Roof slopeSlope of at least two-thirds of the main roof6:12 or steeper; less than 6:12
4. Roof coveringEach covering type, with permit date or product approval number and install yearShingle, tile, synthetic tile, metal, built-up, membrane, other
5. Roof deck attachmentThe weakest deck fasteningA-C by nail size and spacing; D: reinforced concrete; E: spray foam; F-H: other, unknown, no attic access
6. Roof-to-wall attachmentThe weakest roof-to-wall connectionToenails, clips, single wraps, double wraps, structural; or other, unknown, no attic access, not installed as intended
7. Roof geometryRoof shapeHip; flat (5+ unit buildings); other
8. Secondary water resistanceA sealed roof deck under the coveringSealed roof deck; none; unknown
9. Opening protectionThe weakest protection on windows, doors, skylights and garage doorsLevels A, B, C, N, X and sub-options by opening type

1. Building code

The form asks which Florida Building Code was in force when the original permit was applied for. For homes built in 2002 or 2003, the inspector needs a permit application dated after 3/1/2002 to choose FBC 2001/2004; for 2007 or 2008, after 12/8/2006 to choose FBC 2007. Citizens' guide says FBC discounts are not applied when "unknown" is selected.

2. Region and 3. Roof slope

Both are new on Rev. 04/26. Region uses the ASCE 7-22 design wind speed. Slope records whether the main roof is at least 6:12. Citizens says slope does not affect credits but must be accurate.

4. Roof covering

For each covering, the inspector lists the permit application date or FBC/Miami-Dade product approval number and the year installed, or marks that no information was available. This is how a newer roof gets credit for meeting the code.

5. Roof deck attachment

This records how the plywood or OSB is nailed to the trusses, by the weakest area found. A is staples or 6d nails at 6" on the edges and 12" in the field; B is 8d nails at 12" in the field; C is 8d nails at 6" in the field (or dimensional lumber decking). D is a reinforced concrete deck. The inspector usually checks this from the attic, so "no attic access" is its own answer.

6. Roof-to-wall attachment

This is how the roof framing is tied to the walls, again the weakest connection found, ignoring hip and valley jacks within five feet of a corner. Toenails are nails driven at an angle. Clips are metal connectors that don't wrap over the truss. Single and double wraps are straps that wrap over it, with minimum nail counts for each. There is also an answer for connections "not installed as intended."

7. Roof geometry

A hip roof qualifies only if other roof shapes make up no more than 10% of the total roof perimeter; the inspector records both lengths. Porch and carport roofs attached only to the fascia or wall aren't counted.

8. Secondary water resistance

A sealed roof deck is a layer that helps keep water out if the shingles or tiles blow off: fully adhered membrane, taped deck seams, a qualifying double layer of underlayment, or spray foam. The form says standard underlayment or hot-mopped felt does not qualify.

9. Opening protection

The inspector rates every opening (windows, entry and garage doors, skylights, glass block) and the answer is the weakest one. Level A is verified impact protection tested to the 9-lb large missile standard; B is the 4-8-lb standard; C is verified plywood or OSB meeting the 2007 code; N covers products that look like A or B but can't be verified; X is no protection. The form says buildings with openings that need replacement "do not qualify for wind mitigation rate differentials, regardless of the presence/absence of other features." Keep product approval labels and permits; they are how protection gets verified.

After the inspection

Check that the inspector initialed each page and signed the form, then send it with its photos to your agent. Florida Statutes s. 627.711 lists who can sign. To see what the answers can be worth, read how much a wind mitigation inspection saves, and compare wind mitigation prices.

FAQ

How many questions are on the Florida wind mitigation form?

The OIR-B1-1802 (Rev. 04/26) has nine questions: building code, region, roof slope, roof covering, roof deck attachment, roof-to-wall attachment, roof geometry, secondary water resistance and opening protection.

Why does the wind mitigation form ask for the weakest connection?

Questions 5, 6 and 9 rate the home by the weakest roof deck attachment, roof-to-wall connection and opening protection found, so one weak area sets the answer.

Does a damaged window affect the wind mitigation form?

Yes. The form says buildings with openings that need replacement do not qualify for wind mitigation rate differentials, regardless of other features.

Sources

  • Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26): floir.gov (PDF) (checked Oct 21, 2026)
  • Citizens Wind Loss Mitigation Guide (Rev. 04/26): PDF (checked Oct 21, 2026)
  • Florida OIR, Wind Mitigation Resources: floir.gov (checked Oct 21, 2026)
  • Florida Statutes s. 627.711 (2026), uniform mitigation verification inspection form: leg.state.fl.us (checked Oct 21, 2026)