Roof covering: FBC-equivalent, permit dates and product approvals on the wind mitigation form

Checked Nov 1, 2026

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

Short answer: question 4 of Florida's wind mitigation form (OIR-B1-1802) asks the inspector to list every roof covering on the home with its permit application date or FBC/Miami-Dade product approval number, and the year it was installed or replaced. Answer A covers roof coverings with a product approval listing current at installation, a roofing permit application dated on or after 3/1/02, or an original roof on a home built in 2004 or later. Citizens enters answers A and B as "FBC Equivalent" and C or D as "Non-FBC Equivalent," and says no credit will be granted for C or D.

From the OIR-B1-1802 (Rev. 04/26), question 4.2, and Citizens' Wind Loss Mitigation Guide (Rev. 04/26), section 4.

What question 4 asks

The form says: "Select all roof covering types in use. Provide the permit application date OR FBC/MDC Product Approval number AND Year of Original Installation/Replacement OR indicate that no information was available to verify compliance for each roof covering identified."

Part 4.1 lists the covering types: asphalt/fiberglass shingle, concrete/clay tile, synthetic/composite tile, metal, built up, membrane and other. Each row has a blank for the permit application date, the FBC or MDC product approval number and the year of original installation or replacement, plus a "No Information Provided for Compliance" box. Part 4.2, the product approval listing, is where the inspector picks answer A, B, C or D.

What changed on Rev. 04/26

Citizens' Wind Loss Mitigation Guide lists two changes to question 4. Synthetic/composite tile is a new selection. And where the previous form required one of several validation items, the new form "requires Permit Application Date OR Product Approval number, AND Year of Installation." See everything else that changed on Rev. 04/26.

Every roof covering counts

Citizens' guide says "all roof covering types, including primary and secondary roofing, must be inspected," and that to obtain an FBC Equivalent roof cover credit, "all roof coverings must meet permit, product approval, and year of installation requirements." On the form, answer C applies when one or more roof coverings do not meet answer A or B, and answer D when none of them do.

The 3/1/2002 permit date

Answer A accepts a roofing permit application date on or after 3/1/02 as one way to show the covering meets the FBC. The same answer also accepts an FBC or Miami-Dade product approval listing current at the time of installation, or a roof that is original on a home built in 2004 or later.

Answer B's permit path, a roofing permit application after 9/1/1994 and before 3/1/2002, is marked "for the HVHZ only." The form defines the HVHZ as Miami-Dade or Broward counties in question 1. Our guide to finding your roof permits in Palm Beach County shows where to look up a reroof permit.

Where to find a product approval number

Citizens' guide says product approval and/or permits "must be included with the inspection to qualify for credit and can be obtained from the Florida Department of Professional Regulation."

• Florida product approval: Florida Statutes s. 553.842(1) directs the Florida Building Commission to run a statewide product evaluation and approval system that provides "an easily accessible product acceptance list." The Florida Building Code Online product approval search lets you look up a product by its FL number or by manufacturer and code version, with code versions from 2001 to 2023.
• Miami-Dade approval: Miami-Dade County's Product Control Search says you can search its database "for products, certificates and listings that have been approved for use on buildings," by file number or by applicant.
• How long an approval lasts: s. 553.842(1)(f) says state and local approvals are valid until the code requirements they are based on change, the product changes in a way that affects its code performance, or the approval is revoked. That matters because answers A and B ask for a listing "current at the time of installation."

What FBC-equivalent can be worth

OIR's credit table, OIR-B1-1699, splits existing homes into roof covers that are "Non-FBC Equivalent" and "FBC Equivalent." OIR lists the form as effective October 2006 with updates pending. For terrain B with a 2% deductible, no secondary water resistance and no opening protection, it shows:

• Deck A (6d nails at 6"/12"), toe nails, non-hip roof: 0% non-FBC equivalent, 11% FBC equivalent.
• Deck A, clips, non-hip roof: 35% and 49%.
• Deck B (8d nails at 6"/12"), toe nails, non-hip roof: 9% and 18%.
• Deck B, clips, non-hip roof: 58% and 70%.
• Deck B, single wraps, non-hip roof: 60% and 73%.
• Deck B, clips, hip roof: 68% and 78%.

OIR-B1-1699 wind premium credits for existing construction, terrain B, 2% deductible, no secondary water resistance, no opening protection. Rounded to whole numbers. OIR lists this form as effective October 2006 with updates pending.

OIR-B1-1655, the notice insurers send policyholders, lists a roof covering that "Meets the Florida Building Code" as a discount feature for homes built before the 2001 building code. It says the discounts are not cumulative, apply only to the hurricane-wind portion of your policy, and that the actual amount may vary. OIR's resources page says it continues to evaluate OIR-B1-1699 and OIR-B1-1655 for updates, so ask your insurer for its current figures. See how much a wind mitigation inspection saves.

When Citizens may not need a full inspection

Citizens' guide says the OIR-B1-1802 (Rev. 04/26) may not be required when "a valid completed roofing permit is available, and only a roof cover credit is being requested." It also says Citizens enters FBC Equivalent when a current FORTIFIED Home Roof, Silver or Gold certificate is available. The form says a FORTIFIED certificate may be used to validate the attributes marked in questions 4 through 6 and 8 through 9.

The same guide says the form "is used solely to verify a structure's wind mitigation construction features" and "is not acceptable proof of roof condition or replacement." For roof age and condition rules, see Florida roof age rules for home insurance.

What the law requires

Florida Statutes s. 627.0629(1) says a residential property rate filing "must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles" for homes with fixtures or construction techniques demonstrated to reduce windstorm loss, and lists "roof covering performance" among them. It also says credits for fixtures and construction techniques that meet the minimum requirements of the Florida Building Code must be included in the rate filing.

Before your inspection

• Find the roofing permit: answer A accepts a roofing permit application dated on or after 3/1/02, and Citizens says permits or product approvals must be included with the inspection.
• Look for a product approval number: the form accepts an FBC or Miami-Dade product approval number in place of the permit date, along with the year installed.
• Count every covering: Citizens says primary and secondary roofing must be inspected, and every covering must meet the requirements for the FBC Equivalent credit.
• Check the year built: answer A's original-roof path is for roofs built in 2004 or later. Our city pages show the median year homes were built from Census estimates; in Boca Raton it is 1983 and in Lake Worth Beach it is 1969.
• Compare prices: our Palm Beach County prices page lists wind mitigation and 4-point + wind bundle prices published by inspectors.

FAQ

What does FBC-equivalent roof covering mean on a wind mitigation report?

It means question 4.2 of the OIR-B1-1802 is answered A or B. Citizens' Wind Loss Mitigation Guide says it enters A or B as FBC Equivalent, and C or D as Non-FBC Equivalent with no credit granted.

Does a roof permitted after March 1, 2002 count as meeting the code?

Answer A on the form accepts a roofing permit application date on or after 3/1/02. It also accepts an FBC or Miami-Dade product approval listing current at installation, or an original roof on a home built in 2004 or later.

What if my house has more than one type of roof covering?

The form asks the inspector to select all roof covering types in use. Citizens says primary and secondary roofing must be inspected and all coverings must meet the requirements for the FBC Equivalent credit. Answer C applies when one or more do not.

Where do I find my roof's product approval number?

Citizens says product approvals or permits must be included with the inspection. The Florida Building Code Online product approval search looks up products by FL number or manufacturer, and Miami-Dade's Product Control Search looks up approvals by file number or applicant.

Can I get a roof covering credit from Citizens without a full wind mitigation inspection?

Citizens' guide says the OIR-B1-1802 may not be required when a valid completed roofing permit is available and only a roof cover credit is being requested.

Sources

• Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), question 4 and photo requirements: floir.gov (PDF) (checked Nov 1, 2026)
• Citizens Wind Loss Mitigation Guide (Rev. 04/26), overview and section 4: PDF (checked Nov 1, 2026)
• Florida OIR, Windstorm Mitigation Discounts; Single Family Residences, OIR-B1-1699 (existing construction table): floir.gov (XLS) (checked Nov 1, 2026)
• Florida OIR, Notice of Premium Discounts for Hurricane Loss Mitigation, OIR-B1-1655 (Rev. 02/10): floir.gov (PDF) (checked Nov 1, 2026)
• Florida OIR, Wind Mitigation Resources (form list and dates): floir.gov (checked Nov 1, 2026)
• Florida Statutes s. 627.0629 (2026), residential property insurance; rate filings: leg.state.fl.us (checked Nov 1, 2026)
• Florida Statutes s. 553.842 (2026), product evaluation and approval: leg.state.fl.us (checked Nov 1, 2026)
• Florida Building Code Online, Product Approval: Product or Application Search: floridabuilding.org (checked Nov 1, 2026)
• Miami-Dade County, Product Control Search: miamidade.gov (checked Nov 1, 2026)