Florida's OIR-B1-1802 wind mitigation inspection unlocks stackable discounts on the wind portion of your premium — typically 50-70% of the total. The credits compound (each section applies sequentially), so achievable total discount on wind alone reaches 60-70%+ with full mitigation.
1. Hire a licensed wind mitigation inspector. Inspections cost $100-$175 and are conducted by Florida-licensed home inspectors, general contractors, building code inspectors, or licensed P.E.s. The inspector physically verifies each of the 7 OIR-B1-1802 sections and signs the form.
2. Submit the signed form to your carrier. The form is valid for 5 years. Your carrier is required by Florida statute 627.0629 to apply the discounts on your next renewal — most carriers will retroactively re-rate the current term if you submit mid-policy and refund the difference.
3. If the inspection identifies easy upgrades, do them then re-inspect. Common high-ROI upgrades that change a discount category:
4. Check the My Safe Florida Home program. The state offers up to $10,000 in matching grants for qualifying hurricane mitigation upgrades on homestead properties. Income caps and waitlists apply but the ROI is usually excellent when accepted.
Credits in this calculator reflect representative midpoint values from Citizens Property Insurance Corporation's 2024 rate manual (Section A.2: Wind Mitigation Premium Credits) and the largest Florida admitted property carriers' published rate filings. Each individual carrier's credit may differ within the OIR-permitted range; the values here are meant to provide a reasonable estimate, not a binding quote.
Compounding rather than summing — under OIR rate filings, discounts from each section apply sequentially to the wind portion of the base premium, not as a simple sum. This is mathematically: (1 - d1) × (1 - d2) × ... × (1 - d7). A configuration showing "50% combined discount" in some online tools is usually summing the individual percentages, which overstates the actual savings. We compound them correctly.
Wind portion of premium. On a typical Florida policy, 50-70% of the premium is allocated to wind risk; the rest (fire, theft, liability, etc.) is unaffected by mitigation. The calculator lets you adjust this percentage because exact split varies by carrier and proximity to coast.
What this doesn't capture: carrier-specific OIR rate filings that vary credits within ranges; mandatory inspection by your carrier's preferred inspector (some carriers require their inspector before applying discounts); secondary discounts from My Safe Florida Home program participation; the impact of a hip roof on hurricane deductible levels (some carriers offer reduced deductibles for hip roofs in addition to the percentage discount).
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