Effective April 2026, the Florida Office of Insurance Regulation updated theUniform Mitigation Verification Inspection Form (OIR-B1-1802). This inspection assesses a property's resistance to hurricane-force winds. Hart Roofing LLC builds roof replacements to meet current Florida Building Code wind requirements, and several of these items depend on how your roof is installed.
Independent Inspection Notice
Wind mitigation inspections are conducted by certified independent inspectors or licensed engineers. Hart Roofing LLC does not perform wind mitigation inspections or issue the OIR-B1-1802 form; we provide the code-compliant roof installation, permitting, and documentation required for your independent inspector to verify your roof features.
1. IBHS Designation
The Insurance Institute for Business & Home Safety (IBHS) explicitly designates structures based on their resilience. A FORTIFIED Home Roof, Silver or Gold certificate may be used to verify questions 4–6 and 8–9. Achieving a FORTIFIED Roof designation requires specialized ring-shank nailing patterns and sealed roof decks.
2. Region / Wind Zone
Florida Panhandle properties are categorized by wind zones under the Florida Building Code. Structures in coastal areas require roof installations that comply with strict wind resistance requirements and enhanced fastening schedules.
3. Roof Slope
The revised form adds a roof slope question: 6:12 or steeper, or less than 6:12. Citizens says the new slope and region questions don't change the credits available.
4. Roof Cover
Permitted roof covers must explicitly meet Florida Building Code equivalencies.Asphalt shingles, structural standing seam metal, and composite/synthetic tiles are audited for their baseline life expectancy and rigid code adherence.
5. Roof-Deck Attachment
Structural decking attachment is critical. The form penalizes legacy Category A staples. Maximum insurance credits require Category C 8d ring-shank nails driven at strict 6-inch intervals (or closer at edge zones) into the trusses/rafters.
6. Roof-to-Wall Connection
Uplift prevention relies entirely on the roof-to-wall connection. The inspection hierarchy ranks attachments from weakest to strongest:Toenails, Clips, Single wraps, and Double wraps. Double wraps offer the highest tier of uplift resistance, anchoring the truss directly to the masonry or top plate on both sides.
7. Roof Geometry
Aerodynamic wind resistance is heavily determined by geometry. Hip roofs (sloping on all four sides) usually score better on the wind mitigation form than gable roofs. Gable or other architectural shapes present flat vertical surfaces to wind sheer, reducing their aerodynamic efficiency.
8. Secondary Water Resistance (SWR)
SWR is a mandatory defensive layer. If the primary roof covering blows off, the SWR protects the interior.
9. Opening Protection
The mitigation audit enforces a strict single-failure disqualification rule. Every single glazed opening (windows, doors, skylights) must carry a verified large-missile impact rating. If a single window is unprotected, the entire structure loses the Opening Protection credit.