What the inspector looks at
Florida’s form asks seven questions, and the inspection answers them with photos:
- Building code. Was the house built, or the roof permitted, under the 2001 Florida Building Code or later?
- Roof covering. What the roof is made of and when it was permitted.
- Roof deck attachment. How the sheathing is nailed to the trusses: nail size and spacing, checked from inside the attic.
- Roof-to-wall attachment. Toe nails, clips, single straps, or double straps tying the roof to the walls.
- Roof geometry. Hip, gable, flat, or a mix. Hip roofs earn the most.
- Secondary water resistance. Whether there is a sealed barrier under the shingles.
- Opening protection. Impact-rated glass or shutters on every window, door, and garage door, with product ratings documented.
Expect the inspector in the attic and photographing the exterior. You do not need to do anything to prepare beyond making the attic access reachable.
The 2026 form
We use the Uniform Mitigation Verification Inspection Form, OIR-B1-1802 (Rev. 04/26), which the state made mandatory for inspections on or after April 1, 2026. Three things changed: FORTIFIED Home certificates now count toward certain features, the wind region is based on design wind speed, and a multi-slope roof has to state its slope.
A report is valid for up to five years as long as nothing material changes on the house and nothing on the form is found to be wrong. If you have a report on the older Rev. 01/12 form, Citizens still accepts it if it was completed within the five years before April 1, 2026 and the house has not changed.
State guidance on the form and its validity: myfloridacfo.com.
Will it lower my premium?
Often, but not always, and we will not promise a number. The report records what is there. Your carrier decides which credits apply under your policy and your wind region. The features that move the needle most are a hip roof, straps or clips at the roof-to-wall connection, full opening protection, and a roof installed under the current code.
If your house is a 1970s gable-roof block home with original windows, the report may document very little. If it is a 2005 or newer hip-roof home with impact windows, and you have never had an inspection, you are probably leaving money on the table.
Is this the same as a four-point?
No. A four-point reports the condition of four systems so the insurer can decide whether to write the policy. Wind mitigation reports wind-resistant features so the insurer can price it. Older homes often need both; the combination gets both reports from one visit for $169.
Mobile and manufactured homes
The wind mitigation form does not apply. Book the four-point instead.
