Wind-mitigation inspection
Also called: wind mit, wind mitigation report, OIR-B1-1802, uniform mitigation verification inspection, hurricane mitigation inspection
A $75–$150 inspection documenting a house's storm-resistant features — roof shape and attachment, deck nailing, water barrier, and impact-rated or shuttered openings — on the form insurers use to grant premium discounts. Impact windows on every opening are one of the larger credits.
Florida law requires insurers to discount homeowners premiums for construction features that reduce hurricane losses, and the Uniform Mitigation Verification Inspection form (OIR-B1-1802) is how those features get proved. A licensed home inspector, contractor, engineer or architect walks the house, photographs the evidence, and fills out seven questions: the building code the house was built under, the roof covering and its permit date, the roof deck attachment (nail size and spacing, seen from the attic), the roof-to-wall connection (toe nails, clips or straps), the roof geometry (hip roofs earn more), a secondary water resistance layer under the shingles, and opening protection — whether every window, door, garage door and skylight is impact-rated or covered by rated shutters.
Opening protection is scored on the weakest opening: all openings protected with rated products earns the top tier; one unrated door drops it. The inspector needs to see the product labels and, for the credit, the permit and approvals — which is why a DIY or unpermitted impact-window install often earns nothing.
The form is good for five years and the discounts commonly total $300–$1,500 a year depending on the insurer and what the house has. It’s ordered by the homeowner, not the installer, and is a separate document from a four-point inspection, though the same inspector often does both in one visit. Other coastal states have equivalent programs with their own forms.