One form, several insurance credits
The Uniform Mitigation Verification Inspection Form, OIR-B1-1802, is the state's standard checklist of how well a house resists hurricane wind. An authorized inspector fills it out, and your insurer reads it to decide which wind credits apply. Florida law requires insurers to tell you what discounts and credits they offer for wind-resistant construction.
The current revision took effect on April 1, 2026.
The rows on the form
| Feature | What the inspector records |
|---|---|
| Building code | The code edition in force when the roof was permitted |
| Roof covering | Whether the roofing product and install meet code |
| Roof deck attachment | How the plywood is nailed to the trusses |
| Roof-to-wall attachment | Clips or straps tying the roof to the walls |
| Roof geometry | The roof's shape. Hip roofs generally score better than gables |
| Secondary water resistance | A sealed deck in case the roof covering blows off |
| Opening protection | Shutters, or impact-rated windows and doors |
Most of those rows are about the roof, which is why a replacement can change your answers so much.
Where a new roof moves the answers
We build each replacement to the current Florida Building Code. On a re-roof that generally means re-nailing the deck at tighter spacing and sealing it with a secondary water barrier. Both upgrades show up on the form.
When the roof passes final inspection, we arrange the wind mitigation inspection at no charge and you receive the signed form. Send it to your agent and ask for any credits you now qualify for. Our wind mitigation guide walks through the form row by row.
My Safe Florida Home grants
The state's My Safe Florida Home program can help pay for hurricane upgrades, roof work included. In outline:
- Free state inspection. A program inspector visits and lists recommended improvements. You must use theirs.
- Eligibility. Grants go to homesteaded, site-built single-family homes built before January 1, 2008, insured for $700,000 or less, owned by a low- or moderate-income homeowner.
- Approval before work. Nothing can start until the grant is approved.
- The match. For each $1 you spend, the state adds $2, up to $10,000. Low-income homeowners can qualify without a match.
- Payment after. The program reimburses once the work passes a final inspection.
Roof deck attachment, roof-to-wall attachment and secondary water resistance can qualify when your inspection report recommends them. Funding depends on the Legislature and applications open in rounds, so check mysafeflhome.com for the current status. Our My Safe Florida Home guide has the details.
The roofer's half of the job
A qualified inspector completes and signs the form. Our part is building the roof so the answers come out well, with the deck nailing and sealed deck the code calls for, installed by our own crews under license CCC1326792. To pay for a new roof over time, see financing.
Start with a free roof inspection, and we will tell you whether your roof is due for replacement.
