Florida wind mitigation form: signing and validity

What the form is for

Florida requires insurers’ rates to include discounts or credits for construction that reduces wind losses.[1]

The state wind-mitigation form is called OIR-B1-1802.[2] It was updated April 1, 2026, and it is valid for up to 5 years when nothing material changes.[2]

Keep the completed form with your home records. If the home changes materially, confirm whether the form still applies before relying on it.

An insurer decides how its rates, credits, and underwriting rules apply. Howe.to does not promise a discount or any particular outcome.

Check that the address and home details match your records, and keep the signed copy accessible.

Who may sign the form

Insurers must accept the wind-mitigation form from listed licensed inspectors, contractors, engineers, and architects.[3]

Ask the person completing the form what they may sign and how they will provide the finished document. Keep supporting records with the form.

The form does not replace your review of a roofing project. Discuss the scope, materials, permits, and written contract with the independent company you choose.

A wind mitigation inspection and roofing project are separate matters. Review what each document covers and any work under discussion.

What DFS says about newer homes

In its consumer guide, DFS says homes built to the 2001 Florida Building Code or later are eligible for a minimum 68% discount on the windstorm portion of the premium.[4] This includes homes built to the 1994 South Florida Building Code in Miami-Dade and Broward Counties.[4]

This is a DFS statement, not a promise from Howe.to. The amount that applies depends on the insurer.

Gather the home records you have and ask an insurer or qualified professional about your property. A general consumer guide is not a personal coverage decision.

My Safe Florida Home

My Safe Florida Home is a DFS program that offers free wind-mitigation inspections to eligible homesteaded, owner-occupied, site-built homes. Grants of up to $10,000 may be available.[5][6] The program depends on yearly state funding, and Howe.to is not affiliated with it.[5][6]

Read the program’s current eligibility and funding information directly. Details and availability may change with yearly state funding.

Howe.to is not a government program and is not affiliated with My Safe Florida Home. It does not inspect homes, make funding decisions, or promise program access.

Review any roofing work separately from the program and on its own terms.

Roof choices to discuss during re-roofing

If you are re-roofing, discuss material selection and installation details.

FDEM says to choose shingles rated at or above your area’s design wind speed.[7]

FEMA says to use nails rather than staples in high-wind areas. FEMA also says to use stainless steel nails within 3,000 feet of saltwater.[8]

Ask the roofing company to explain the proposed materials and attachment methods in plain language. Get written scope details and read them before signing.

How Howe.to can help

You answer a few questions, then see the named roofing companies available for your area. You choose which companies may contact you about roofing. Howe.to is not a contractor.