Prepare for a Florida wind mitigation inspection (Uniform Mitigation Verification Inspection Form, OIR-B1-1802) to support an insurance premium discount

Steps

1. Confirm which version of the form is currently in effect based on the inspection date, since the Florida Office of Insurance Regulation periodically revises the form with a defined effective date, and inspections must use the version current as of the inspection date — check the OIR's own site for the current adopted revision rather than using an older cached copy.
2. Have the inspector document roof covering type, roof deck attachment, roof-to-wall attachment (e.g., clips vs. straps vs. toe-nails), roof geometry (hip vs. gable), secondary water resistance, and opening protection, since these are the core categories that drive premium credits.
3. Ensure the inspector supports each answer with adequate photographic evidence, since recent form revisions have tightened documentation/evidence standards and insurers can reject or discount findings lacking sufficient photos.
4. Confirm the inspection is performed by one of the license/certification categories the state and the insurer both accept for wind mitigation inspections (categories are defined by Florida statute/rule), since not every licensed professional is automatically qualified to perform this specific inspection for insurance purposes.
5. Submit the completed, signed form to the insurer and confirm with the insurer/agent how and when the resulting premium credit will be applied, since credit application timing and calculation are set by each carrier's filed rate rules, not by the form itself.