Fort Lauderdale’s New 2026 Wind Mitigation Form (OIR-B1-1802)

The 2026 wind mitigation form applies to Fort Lauderdale inspections performed on or after April 1. Florida adopted this update statewide, so homeowners across Broward County use the same version.

I recommend checking your inspection date and report details before paying for another visit.

When Did the 2026 Wind Mitigation Form Take Effect?

The revised form took effect April 1, 2026, under Florida’s updated inspection rule. Inspections completed from that date forward must use the April revision.

Its full name is the Uniform Mitigation Verification Inspection Form. An authorized inspector records construction features that may reduce wind damage. Your insurer uses those findings when reviewing wind credits.

We suggest confirming the requested report before booking. The difference between four-point and wind inspections matters because each serves a separate insurance purpose.

One reviews major systems; the other documents wind protection features.

What Changed on OIR-B1-1802?

The 2026 wind mitigation form adds fields and revises existing categories. The document now runs six pages and covers nine numbered inspection areas.

These changes appear in the official revised form:

Proof must support each marked feature in questions 2 through 9. At least one photo or document must validate each entry, and supporting records must accompany the report.

I suggest gathering paperwork before the appointment. A contractor’s verbal claim cannot replace evidence the inspector needs.

What Should Fort Lauderdale Homeowners Check First?

Start with roof records and the condition of windows and doors. Broward belongs to Florida’s High Velocity Hurricane Zone, which has specific entries on the form.

Roof Records and Recent Work

Roof paperwork can help explain what a contractor installed. Keep permit details, product records, and photos from any replacement project.

A wind report serves a different role from roof condition certifications. Your insurer may need separate evidence about wear, leaks, or remaining roof life.

We recommend asking exactly which documents the carrier wants. Ordering the wrong service can leave an insurance request unfinished.

Windows, Doors, and Visible Damage

Opening protection involves more than the front windows. Garage doors, skylights, and sliding glass doors also deserve review.

For example, new impact windows don’t answer questions about an older glass door. Ask the inspector to explain any weak or unverified opening.

Include visible defects in your summer maintenance checklist so paperwork does not replace needed repairs.

Does the Update Cancel Older Reports or Raise Discounts?

The new version does not automatically cancel every older report or create extra savings. Existing inspection dates, building changes, and insurer rules still matter.

Older Reports May Remain Usable

Completed forms can remain valid for up to five years when the structure has no material changes, and the report contains no inaccuracies. That period runs from the inspection date.

Citizens’ form transition bulletin explains that it continues accepting qualifying January 2012 forms completed before the April change.

Its stated acceptance window covers inspections completed within the preceding five years, with no structural changes.

I suggest sending your existing report to your agent first. A recent roof replacement or new opening protection may call for updated findings.

Additional Fields Do Not Promise More Savings

At rollout, Citizens said the added fields would not change its available credits then. Ask your carrier about its current rating rules.

Before spending money, request an estimate of any premium change. Use inspection findings to plan future renovations around needed repairs and verified improvements.

Avoid budgeting for a discount that nobody has confirmed.

How Do You Prepare for a New Inspection?

Choose an authorized professional and gather records before the visit. Florida’s inspector qualification rules identify who may sign the report, including licensed home inspectors with required mitigation training.

We recommend this process:

1. Contact your agent. Confirm the required reports and submission deadline.
2. Check the version. Ask the inspector to use the 2026 wind mitigation form.
3. Collect records. Include prior reports, roof permits, and window or shutter paperwork.
4. Provide access. Clear the attic entrance and make relevant areas available.
5. Review the package. Check the address, signatures, photos, and attachments before submission.

Good inspection scheduling leaves time to answer questions. Request a written price that explains what the visit includes and any return visit fee.

Keep Your Fort Lauderdale Wind Report Ready for Review

The 2026 wind mitigation form works best when accurate findings have clear supporting proof.

We recommend reviewing your current report, documenting property changes, and confirming your insurer’s needs.

Submit a complete package, then ask your agent which credits apply.