PBC Inspections

Who can sign Florida's wind mitigation form (OIR-B1-1802)

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

Short answer: Florida Statutes s. 627.711(2)(a) says an insurer shall accept as valid a uniform mitigation verification form (OIR-B1-1802) signed by an authorized mitigation inspector: a home inspector licensed under s. 468.8314 who has completed at least 3 hours of Construction Industry Licensing Board-approved hurricane mitigation training and a proficiency exam; a building code inspector certified under s. 468.607; a general, building or residential contractor licensed under s. 489.111; a professional engineer licensed under s. 471.015; a professional architect licensed under s. 481.213; or anyone else the insurer recognizes as qualified. The form's qualified-inspector certification repeats that list. The signer must personally inspect the structure, except that licensed engineers and contractors may send a direct employee.

Who s. 627.711 lists

Section 627.711(2)(a) requires every insurer to use the uniform mitigation verification inspection form when a policyholder submits it for wind insurance discounts, and says the insurer "shall accept as valid" a form signed by the authorized mitigation inspectors listed above. Under s. 627.711(2)(b), an insurer may, but is not required to, accept a form from any other person whose qualifications and experience it finds acceptable.

Florida's Department of Financial Services (DFS) says that since July 1, 2008, all admitted insurers have been required to accept a valid form completed and signed by those licensees. DFS lists the same license types as the statute. You can confirm a license yourself; see how to look up an inspector's license on DBPR.

What the OIR-B1-1802 asks the signer to check

The Rev. 04/26 form's qualified-inspector block says mitigation inspections must be certified by a qualified inspector and points to s. 627.711(2) for the list. The signer checks one active license:

  • Home inspector licensed under s. 468.8314 who has completed the statutory hours of hurricane mitigation training approved by the Construction Industry Licensing Board and a proficiency exam.
  • Building code inspector certified under s. 468.607.
  • General, building or residential contractor licensed under s. 489.111.
  • Professional engineer licensed under s. 471.015.
  • Professional architect licensed under s. 481.213.
  • Any other individual or entity recognized by the insurer as possessing the necessary qualifications under s. 627.711(2).

The form also asks for the qualified inspector's name, license type, license or certificate number, inspection company and phone. For what the nine inspection questions cover, read the form, question by question.

Home inspectors and the 3-hour training

A Florida home inspector license alone is not enough for the wind mitigation form. Section 627.711(2)(a)1. requires the home inspector to have completed at least 3 hours of hurricane mitigation training approved by the Construction Industry Licensing Board that covers hurricane mitigation techniques and compliance with the uniform mitigation verification form, plus a proficiency exam. DFS repeats that training and exam requirement on its mitigation notices page. Section 468.8314 is the home-inspector licensure statute; the wind-form training sits on top of that license.

My Safe Florida Home program inspectors are held to the same license types. Section 215.5586 requires program inspectors to be licensed building inspectors, contractors, engineers, architects, or home inspectors with at least 3 hours of hurricane mitigation training covering compliance with the uniform mitigation verification form. See My Safe Florida Home vs. a private inspection.

Personal inspection vs. an employee

Section 627.711(3) says a person authorized to sign the form must inspect the structures personally, not through employees or other persons, and must certify that personal inspection. The only exception is for licensees under s. 471.015 (professional engineers) or s. 489.111 (general, building or residential contractors): they may authorize a direct employee who is not an independent contractor and who has the required skill, knowledge and experience. The insurer may ask those licensees for information about the employee's qualifications before accepting a form the employee performed. The form repeats this rule and has the signer either certify a personal inspection or, for contractors and engineers only, name the employee and agree to be responsible for that employee's work.

Under s. 627.711(4) and (5), falsely claiming a personal inspection is misconduct, and the authorized inspector is directly liable for an employee's misconduct as if the inspector had done the inspection personally. See when an insurer can re-inspect or reject a form.

What Citizens does with an unqualified form

Citizens' "Your Wind Inspection" page says a mitigation form may not be accepted if the appropriate professional outlined on the form does not perform the inspection, or if the professional's Florida license is not active or cannot be verified. Citizens' Wind Loss Mitigation Guide (Rev. 04/26) says mitigation credits will not be granted if the form is completed by an unqualified or unlicensed inspector, and tells agents to use the Department of Business and Professional Regulation to verify the license.

How this differs from other Citizens forms

  • OIR-B1-1802 (wind mitigation): the statutory list above, including a home inspector with the 3-hour training, plus engineers and architects.
  • Citizens Roof Inspection Form (RCF-1): the form will not be accepted without the dated signature of a Florida-licensed general, residential, building or roofing contractor, a building code inspector, or a Florida-licensed home inspector. It does not list engineers or architects, and it does add roofing contractors. See what the RCF-1 records and who can sign it.
  • Citizens MIT-BT II and III (condo buildings with four or more stories): a general or building contractor, a building code inspector, an architect or an engineer. The signer certifies a personal inspection. Home inspectors are not on that list. See condo wind mitigation forms.
  • Citizens 4-Point Inspection Form: examples of acceptable signers include a general, residential or building contractor, a building code inspector and a home inspector. A trade-specific licensed professional may sign off only on the section for that trade. The form does not list the wind-form training requirement.

Before you book

  • Ask for the license type and number: the form needs them, and Citizens will not grant credits for an unverifiable license.
  • If the person is a home inspector, ask whether they completed the Construction Industry Licensing Board-approved hurricane mitigation training and proficiency exam.
  • Ask who will be at the house: unless a licensed engineer or contractor is sending a direct employee, the signer must inspect personally.
  • 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

Who can sign Florida's wind mitigation form?

Florida Statutes s. 627.711(2)(a) lists authorized mitigation inspectors: a home inspector licensed under s. 468.8314 with at least 3 hours of approved hurricane mitigation training and a proficiency exam; a building code inspector; a general, building or residential contractor; a professional engineer; a professional architect; or anyone else the insurer recognizes as qualified. The OIR-B1-1802 form repeats that list.

Does a home inspector need special training to sign the OIR-B1-1802?

Yes. Section 627.711(2)(a)1. requires at least 3 hours of Construction Industry Licensing Board-approved hurricane mitigation training covering hurricane mitigation techniques and compliance with the form, plus a proficiency exam.

Can an employee do the wind mitigation inspection?

Only if the authorized signer is a licensed professional engineer under s. 471.015 or a general, building or residential contractor under s. 489.111, and then only a direct employee who is not an independent contractor. Everyone else on the list must inspect personally.

Will Citizens accept a form from an unlicensed inspector?

Citizens says a form may not be accepted if the appropriate professional does not perform the inspection or the Florida license is not active or cannot be verified. Its Wind Loss Mitigation Guide says mitigation credits will not be granted if the form is completed by an unqualified or unlicensed inspector.

Can a home inspector sign Citizens' MIT-BT II and III condo form?

No. That form lists a general or building contractor, a building code inspector, an architect or an engineer. Home inspectors are on the OIR-B1-1802 list, not the MIT-BT II and III list.

Sources

  • Florida Statutes s. 627.711 (2026), notice of premium discounts; uniform mitigation verification inspection form: leg.state.fl.us (checked Nov 5, 2026)
  • Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), qualified inspector certification: floir.gov (PDF) (checked Nov 5, 2026)
  • Florida DFS, Mitigation Notices, Inspections and Forms: myfloridacfo.com (checked Nov 5, 2026)
  • Florida Statutes s. 468.8314 (2026), home inspector licensure: leg.state.fl.us (checked Nov 5, 2026)
  • Citizens Property Insurance, Your Wind Mitigation Inspection: citizensfla.com (checked Nov 5, 2026)
  • Citizens Wind Loss Mitigation Guide (Rev. 04/26), Qualified Inspectors: citizensfla.com (PDF) (checked Nov 5, 2026)
  • Citizens sample Roof Inspection Form (RCF-1 03 25): citizensfla.com (PDF) (checked Nov 5, 2026)
  • Citizens, Building Type II and III Mitigation Inspection Form (MIT-BT II & III 6/1/18): citizensfla.com (PDF) (checked Nov 5, 2026)
  • Citizens sample 4-Point Inspection Form (Insp4pt 03 25): citizensfla.com (PDF) (checked Nov 5, 2026)
  • Florida Statutes s. 215.5586 (2026), My Safe Florida Home Program: leg.state.fl.us (checked Nov 5, 2026)
  • Florida DBPR license search: myfloridalicense.com (checked Nov 5, 2026)