Updated November 4, 2026
Why this form matters
Florida uses one standard form so every insurer reads wind features the same way. It is the Uniform Mitigation Verification Inspection Form, OIR-B1-1802. The revised version (Rev. 04/26) applies to inspections on or after April 1, 2026, according to Citizens and the Office of Insurance Regulation.
Citizens says it will still accept the previous version (Rev. 01/12) if the structure is unchanged and the form was completed within five years before April 1, 2026.
Top of the form
The header collects the inspection date, owner and contact details, property address and county, insurer and policy number, year built and number of stories. Check these for typos. A wrong address or policy number can slow things down.
1. Building code
This answers: what building code was your home built under? Options include homes built under the Florida Building Code 2001 or 2004 edition, FBC 2007 or later, a South Florida code (HVHZ only), or unknown or not meeting those. Documentation is usually a permit, certificate of occupancy or county property record showing the year built.
2 and 3. Region and roof slope
Region is based on design wind speed: HVHZ, Region 1 (140 mph or more), Region 2 (130 to 139 mph) or Region 3 (under 130 mph). Roof slope is recorded as 6:12 or steeper, or less than 6:12, based on the slope covering at least two-thirds of the main roof. Homes with several roof slopes need to indicate them.
4. Roof covering
The inspector notes the covering type (shingle, tile, metal, built-up, membrane or other) and how compliance is shown: a permit date, a product approval number, or year installed. Permit information is the main document Citizens uses for roof covering. For homes outside Miami-Dade and Broward, Citizens' documentation guidelines say the roof permit application must be dated 3/1/2002 or later for the roof covering feature. See the Citizens guidelines.
Keep your roofer's permit and paid invoice. They can matter more than the roof itself.
5. Roof deck attachment
This is about how the plywood or OSB sheathing is nailed to the roof framing. The form records the weakest type found, from lighter nailing patterns to stronger ones, reinforced concrete decks, or unknown. The inspector usually needs attic access to see it, and "no attic access" is its own answer.
6. Roof-to-wall attachment
Here the inspector looks at the weakest connection between roof framing and the walls: toenails, clips, single wraps, double wraps, structural connections, or unknown. Again, attic access and clear photos matter.
7. Roof geometry
The form asks whether the roof is a hip roof, a flat roof (for buildings with five or more units), or other. Hip roofs slope on all sides, which is a shape the form treats differently from a gable.
8. Secondary water resistance (SWR)
Secondary water resistance means the roof deck is sealed so that, if outer roof covering is lost, less water gets in. The form lists several qualifying methods, plus "none" and "unknown".
9. Opening protection
The form looks at every opening: windows, doors, garage doors and skylights. It records the weakest protection level. One unprotected opening can lower the result for the whole home.
Signatures and photos
Each attribute marked in questions 2 through 9 needs at least one photo or document. FORTIFIED Home Roof, Silver or Gold certificates can support certain items. The inspector signs with their license information, and the homeowner signs too. Only the insurer decides which credits apply.
Questions to ask your inspector
- Which license do you hold, and what is the number?
- Do you take photos for every item marked on the form?
- Will you check the attic and tell me if you cannot access it?
- Do you use the current Rev. 04/26 version?
- When will I get the report, and in what format?
A good inspector will explain what each answer means and why. If an answer surprises you, ask what they saw.
Common reasons answers come back "unknown"
The most common reasons are limited attic access, missing permits or invoices, and features that cannot be verified by sight. Gathering your documents ahead of time can help. For example, a shutter or impact-window invoice, or product approval information, can support the opening protection answer. For roof covering, Citizens treats permit information as the primary document.
Even if an answer comes back "unknown", you can ask your inspector what documentation would let them mark it differently on a later inspection.
Frequently asked questions
Is the form the same for every insurer?
Yes. Florida requires insurers to use the uniform form, which is OIR-B1-1802.
What if I cannot get into my attic?
The form has a "no attic access" answer for the deck and roof-to-wall questions. Clearing access before the visit can help the inspector document what is there.
Does the form promise a discount?
No. The form documents features. Your insurer decides what credits apply under its filed rates.