Wind Mitigation Inspections in Jupiter FL: Form OIR-B1-1802 Explained
A wind mitigation inspection in Jupiter FL is the inspection that produces Florida's Uniform Mitigation Verification Inspection Form — OIR-B1-1802 — so your insurer can apply hurricane-loss credits. It is not a general home inspection, and it is not a flood-zone determination. For $1M+ homes and luxury real estate in Jupiter FL 33458, the form is often the difference between a wind premium that reflects the roof you actually have and a premium that assumes you never documented it.
Direct answer: Florida insurers must notify personal-lines residential policyholders of available windstorm mitigation discounts at issuance and at each renewal (F.S. 627.711). Credits are documented on form OIR-B1-1802, completed by an authorized inspector who must personally inspect the structure. The Florida Office of Insurance Regulation says that form is valid for up to five years if no material changes are made and no inaccuracies are found. A revised OIR-B1-1802 is effective April 1, 2026.
This is not insurance advice. Discount amounts vary by insurer; this page does not invent percentages. Pair it with flood-zone insurance, the luxury home inspection guide, and the selling timeline if you are listing. HOA or condo rules can restrict roof and opening work — see HOA notes before buying.
What the form is
The Florida Office of Insurance Regulation's wind-mitigation resource page lists OIR-B1-1802 as the Uniform Mitigation Verification Inspection Form. An authorized inspector completes it during the wind mitigation inspection. OIR also lists related forms: OIR-B1-1655 (notice of premium discounts for hurricane loss mitigation, provided by the insurer at issuance and renewal), OIR-B1-1699 (windstorm mitigation discounts for single-family residences), and OIR-B1-1700 (non-single-family residences).
OIR states that section 627.0629, Florida Statutes, requires OIR, by January 1, 2025, and every five years after that, to review and update the fixtures or construction techniques demonstrated to reduce windstorm damage, along with related insurance discounts and deductible reductions. In June 2024, Applied Research Associates completed a Residential Wind-Loss Mitigation Study. As a result, OIR says the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) has been updated effective April 1, 2026.
Validity, in OIR's words: the form is valid for up to five (5) years provided no material changes are made to the structure or inaccuracies are found on the form.
Who may sign OIR-B1-1802
F.S. 627.711(2)(a) requires insurers to accept as valid a uniform mitigation verification form signed by the following authorized mitigation inspectors:
- A home inspector licensed under s. 468.8314 who has completed at least 3 hours of hurricane mitigation training approved by the Construction Industry Licensing Board, including hurricane mitigation techniques, compliance with the form, and a proficiency exam;
- A building code inspector certified under s. 468.607;
- A general, building, or residential contractor licensed under s. 489.111;
- A professional engineer licensed under s. 471.015;
- A professional architect licensed under s. 481.213; or
- Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete the form.
An insurer may, but is not required to, accept a form from any other person with qualifications acceptable to the insurer. A person authorized to sign must inspect the structures referenced by the form personally, not through employees or other persons, and must certify that personal inspection. OIR tells consumers to verify that the inspector is authorized under section 627.711(2)(a).
The statute also bars inspectors from paying insurance agents for referrals, and bars agents from taking that pay. Insurers may independently verify a form at their expense.
What the insurer must tell you
F.S. 627.711(1): using a form prescribed by OIR, the insurer shall clearly notify the applicant or policyholder of any personal lines residential property insurance policy, at issuance and at each renewal, of the availability and the range of each premium discount, credit, other rate differential, or reduction in deductibles for properties on which windstorm-loss-reducing fixtures or construction techniques can be or have been installed. The prescribed form and approved ranges are to be available for electronic viewing from DFS or OIR websites. Section 627.0629, as summarized by OIR, also requires residential property insurers, effective October 1, 2023, to provide information on the insurer's website describing hurricane mitigation discounts available to policyholders.
| Item | What the state source says |
|---|---|
| Form | OIR-B1-1802, Uniform Mitigation Verification Inspection Form. |
| Updated form | Effective April 1, 2026 (OIR). |
| How long it lasts | Up to five years if no material changes and no inaccuracies (OIR). |
| Who inspects | Authorized inspectors listed in F.S. 627.711(2)(a); personal inspection required. |
| Discount amount | Set by each insurer's approved range — not a single statewide percentage on the pages reviewed. |
For expert guidance on Jupiter FL luxury real estate, contact Kyle Camerlinck at 561-371-5143.
Kyle Camerlinck's practice in Jupiter FL luxury real estate includes sellers of $1M+ homes who should order this inspection early enough that the form is in the listing file, not discovered by the buyer's insurer after contract.
Related programs (names only)
OIR lists mitigation programs by managing agency, including My Safe Florida Home (Florida Department of Financial Services, individual homeowners) and My Safe Florida Condo Pilot (condominium associations). This page does not quote grant amounts or eligibility screens that were not fully extracted here — use DFS for current program rules. Hurricane season on the OIR page is June 1 through November 30.
Frequently Asked Questions
Is a wind mitigation inspection the same as a four-point or a general inspection?
No. OIR-B1-1802 is the uniform form for wind-insurance credits. A general home inspection is a different work product. Jupiter buyers often order both; they are not substitutes.
How long is OIR-B1-1802 valid?
OIR says up to five years provided no material changes are made to the structure and no inaccuracies are found on the form.
Who is allowed to complete the form?
F.S. 627.711(2)(a) lists licensed home inspectors with required hurricane-mitigation training, building code inspectors, licensed contractors, professional engineers, professional architects, and other individuals or entities the insurer recognizes.
Will this page tell me how much I will save?
No. Discount ranges are insurer-specific. Ask your carrier for its current approved credits and keep the form with the policy.
Sources
- Florida Office of Insurance Regulation — Wind Mitigation Resources (accessed August 30, 2026)
- Online Sunshine — F.S. 627.711 (accessed August 30, 2026)
Talk to a Jupiter broker who lives here
If you want a private, no-obligation conversation about a specific property, community, or waterfront strategy, call the broker directly.
Call Kyle: 561-371-5143 · Contact form · What's my home worth?
Kyle Camerlinck, MBA — Managing Broker, Taiter Realty · 1090 Jupiter Park Drive, Suite 101, Jupiter, FL 33458