Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26) Adopted by Rule 69O-170.0155, F.A.C.
Explanation By Section:
The official form used for wind mitigation inspections in Florida is called the Uniform Mitigation Verification Inspection Form, designated OIR-B1-1802. As of April 1, 2026, all wind mitigation inspections must be completed using the updated Rev. 04/26 version of this form. This revision replaced the previous version that had been in use since 2012, and it is more comprehensive — adding new categories, expanding definitions, and increasing documentation requirements.
The form is six pages long and contains nine sections. Each section documents a specific construction feature of your home. The inspector works through each section, selects the answer that accurately reflects what is present, and photographs the evidence to support each selection. Those photographs are submitted along with the completed form to your insurance company.
Here is a plain-language overview of each section.
Documentation Requirements & FORTIFIED Home® Certificate
Before the nine numbered sections begins an unlabeled but important note about documentation requirement and “Fortified Home” certificates. A FORTIFIED Home® Roof, Silver, or Gold certificate — issued by the Insurance Institute for Business and Home Safety (IBHS) — may be used in place of individual photos and documentation to validate the answers in Sections 4 through 6 and Sections 8 through 9. A full explanation of what a FORTIFIED Home designation is, how it differs from a standard high wind speed product rating, and how common it currently is in Southwest Florida can be found on the Documentation Requirements and the FORTIFIED Home Certificate page of this guide.
Section 1 — Building Code
This section establishes which version of the Florida Building Code was in effect when your home’s original building permit was submitted. This matters because newer building codes required stronger construction standards, and homes built under those codes may already have certain wind-resistant features built in. The inspector records the year your home was built and, where applicable, the permit application date to determine which code applies. Click Here to read a more in-depth explanation of Section 1 — Building Code
Section 2 — Region (New on the Rev. 04/26 form)
This is one of the sections added in the 2026 update. It identifies your home’s location based on design wind speed, using the ASCE 7-22 wind speed map. For most homes in Cape Coral, Fort Myers, and the surrounding Southwest Florida area, this will fall into Region 1, which covers areas with design wind speeds of 140 mph or greater. This is distinct from the High-Velocity Hurricane Zone, or HVHZ, which applies only to Miami-Dade and Broward counties on the east coast of Florida. Click Here to read a more in-depth explanation of Section 2 — Region
Section 3 — Roof Slope (New on the Rev. 04/26 form)
Also new to the 2026 version, this section documents the pitch of your roof. The inspector identifies whether the primary roof slope is greater than or equal to 6:12, or less than 6:12. For homes with multiple roof slopes, the slope that covers at least two-thirds of the main roof area is used. Roof slope is a factor in how wind forces act on a structure during a storm. Click here to read a more in-depth explanation of Section 3 — Roof Slope
Section 4 — Roof Covering
This section documents what type of material(s) covers your roof — asphalt shingle, concrete or clay tile, metal, membrane, and so on — and whether that covering meets Florida Building Code or Miami-Dade product approval standards. The inspector records the permit application date or product approval number and the year the roof was installed or last replaced. If that information is not available, that is noted as well. This section is more detailed in the 2026 version than it was on the previous form. Read more on Section 4 — Roof Covering and Section 4.2 — Product Approval Listing
Section 5 — Roof Deck Attachment
This section documents how the plywood, dimensional lumber or OSB sheathing that forms the surface of your roof structure is nailed down to the trusses or rafters beneath it. The inspector accesses the attic to physically examine the nailing pattern and nail size. A stronger nailing pattern means the deck is less likely to peel away from the structure during high winds. This is one of the most important factors in determining how well your roof will perform in a storm, and it is one of the primary reasons the inspector needs attic access. Read more on Section 5 — Roof Deck Attachment
Section 6 — Roof-to-Wall Attachment
This section documents how the roof structure itself — the trusses or rafters — is connected to the top of your exterior walls. The inspector looks for metal connectors, straps, or clips used to make this connection and selects the answer that reflects the weakest connection found anywhere on the structure. Options range from simple toenails at the weakest end to double wraps and structural connections at the strongest. Like roof deck attachment, this is verified from inside the attic and is one of the sections with the most direct impact on your insurance discount. Read more on Section 6 — Roof-to-Wall Attachment
Section 7 — Roof Geometry
This section documents the shape of your roof. A hip roof — where all sides slope downward to the walls — performs significantly better in high winds than a gable roof, where two sides are vertical flat walls. To qualify as a hip roof on this form, no non-hip features can make up more than 10% of the total roof perimeter. The inspector measures and calculates this when there are mixed roof shapes. A qualifying hip roof is one of the most valuable features a home can have from a wind mitigation standpoint. Read more on Section 7 — Roof Geometry
Section 8 — Sealed Roof Deck / Secondary Water Resistance (SWR)
This section documents whether your roof has a secondary layer of water protection beneath the roof covering. This is sometimes called a sealed roof deck or SWR. Standard felt underlayment does not qualify. What does qualify includes fully adhered modified bitumen underlayment, self-adhering tape over roof deck seams, double layers of certain synthetic underlayments, or spray foam applied along the deck intersections and panel joints. The purpose of this feature is to protect the interior of your home from water intrusion in the event that the roof covering is damaged or lost during a storm. Read more on Section 8 — Sealed Roof Deck / Secondary Water Resistance (SWR)
Section 9 — Opening Protection
This section documents how well your windows, doors, skylights, and garage door are protected against windborne debris. This is evaluated separately for glazed openings — anything with glass — and non-glazed openings such as solid entry doors and garage doors. The highest level of credit goes to openings that are fully protected with impact-rated products meeting the most stringent testing standards. The lowest rating applies to homes with unprotected openings or openings that are damaged and in need of repair or replacement. It is worth noting that if any opening on your home is found to be damaged, the entire structure is disqualified from receiving an opening protection credit regardless of how well everything else is protected. Read more on Section 9 — Opening Protection (Chart) and Section 9 — Opening Protection (Classification)