A plain-language, section-by-section guide to the OIR-B1-1802 Rev. 04/26 wind mitigation form behind every Fort Myers wind mitigation insurance inspection.
Understanding the Wind Mitigation Inspection Form.
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 behind every Fort Myers wind mitigation insurance inspection is the Uniform Mitigation Verification Inspection Form. Designated OIR-B1-1802. As of April 1, 2026, all wind mitigation inspections must be completed on the updated Rev. 04/26 version of this form. That revision replaced the version in use since 2012, and it’s more comprehensive. Adding new categories, expanding definitions, and increasing documentation requirements.
The form runs six pages and contains nine sections. Each section documents a specific construction feature of your home. The inspector works through each one, selects the answer that accurately reflects what’s present, and photographs the evidence supporting each selection. Those photos are submitted with the completed form to your insurance company. Here’s a plain-language overview of each section.
Documentation Requirements & FORTIFIED Home® Certificate.
Ahead of the nine numbered sections is an unlabeled but important note about documentation requirements 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. For 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, see 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. It matters because newer codes required stronger construction standards, so homes built under them 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. Read a more in-depth explanation of Section 1 — Building Code
Section 2 — Region (New on the Rev. 04/26 form).
One of the sections added in the 2026 update. It identifies your home’s location by 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 falls into Region 1, which covers areas with design wind speeds of 140 mph or greater. That’s distinct from the High-Velocity Hurricane Zone (HVHZ), which applies only to Miami-Dade and Broward counties on the east coast. 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 slopes, the slope covering at least two-thirds of the main roof area is used. Roof slope factors into how wind forces act on a structure during a storm. Read a more in-depth explanation of Section 3 — Roof Slope
Section 4 — Roof Covering.
This section documents what material(s) cover 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. However, if that information isn’t available, that’s noted too. This section is more detailed in the 2026 version than 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 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 during high winds. It’s one of the most important factors in how well your roof performs in a storm, and 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 — the trusses or rafters — connects to the top of your exterior walls. The inspector looks for metal connectors, straps, or clips and selects the answer reflecting 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, it’s 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 down 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, non-hip features can’t make up more than 10% of the total roof perimeter. The inspector measures and calculates this when roof shapes are mixed. 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 covering — sometimes called a sealed roof deck or SWR. Standard felt underlayment doesn’t 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 is to protect your home’s interior from water intrusion if 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. It’s evaluated separately for glazed openings — anything with glass — and non-glazed openings such as solid entry doors and garage doors. The highest credit goes to openings 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. Worth noting: if any opening on your home is found damaged, the entire structure is disqualified from the opening protection credit, no matter how well everything else is protected. Read more on Section 9 — Opening Protection (Chart) and Section 9 — Opening Protection (Classification)