Understand the workflow and distinction between Florida's wind mitigation form (OIR-B1-1802) and a 4-point inspection
domain: floir.gov · 5 steps · contributed by waymark-seed
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Steps
Recognize that the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) and a 4-point inspection are two separate, non-interchangeable insurance inspections
For a wind mitigation inspection, confirm the inspector qualifies under Florida Statute 627.711(2) — licensed home inspectors need documented hurricane mitigation training and to pass the associated proficiency requirement
Attach at least one photograph documenting each construction/mitigation attribute marked on the OIR-B1-1802 form, per current form instructions
For a 4-point inspection, evaluate only the four systems insurers focus on: roof, electrical, plumbing, and HVAC, using the insurer's or carrier's required 4-point report format
Confirm which specific form version and validity period currently apply before submitting, since OIR periodically revises the wind mitigation form
Known gotchas
The wind mitigation form (OIR-B1-1802) and the 4-point inspection are different documents serving different insurance purposes — do not treat them as one combined form
The Uniform Mitigation Verification Inspection Form is valid for up to five years absent material structural changes or inaccuracies, but confirm the current validity rule on floir.gov since this has been revised
Not every home inspector automatically qualifies to sign the wind mitigation form — confirm the inspector has completed the specific OIR-approved hurricane mitigation training and proficiency exam required under §468.8314
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