Wind mitigation and opening protection

The wind mitigation form

Florida uses a standard inspection form, the Uniform Mitigation Verification Inspection Form (OIR-B1-1802), completed by a qualified inspector. A revised version took effect April 1, 2026. A completed form is valid for up to five years as long as no material changes are made to the home and no inaccuracies are found.

Where windows and doors come in

The form records the opening protection on your home: whether windows, doors, sliding doors, skylights and garage doors are protected by impact-rated products or approved shutters. Insurers use that to set wind premium credits.

Protect every opening

Credits for opening protection usually depend on every opening being covered, including entry doors and garage doors. Replacing only some windows may not change your credit. Ask your installer to quote every opening, and ask your agent how your insurer scores partial protection.

Next steps

1. Get a wind mitigation inspection, or check the date on your current form.
2. Ask your insurance agent what credit you would get with full opening protection.
3. Get quotes that cover every opening, with product approval numbers listed.
4. After installation, get a new inspection so the credit is applied.

Frequently asked questions