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Do My Windows Qualify for Florida's Opening Protection Insurance Discount?

Use the free tool — Wind Credit Checker

What "Opening Protection" Means for Insurance

Florida's wind-mitigation credits reward homes that protect their windows, doors, skylights and garage door from wind-borne debris. Insurers check this because a broken opening lets wind pressure build up inside a house, which can lead to much bigger damage during a storm.

How Insurers Check It: Form OIR-B1-1802

Florida's official wind-mitigation inspection form is OIR-B1-1802. It records details about your roof, your windows, your garage door, and other openings, along with when your home was built. Insurers use this form to decide which mandated credits apply to your policy.

What the Inspection Looks At

• Your roof shape, covering, and how it's attached
• Whether your windows and other openings have wind-borne-debris protection
• Whether your garage door has wind-borne-debris protection
• When your home was built, because building codes changed over time

What We Can't Tell You Here

We don't have your specific opening-protection product details, and this page can't confirm which credits your insurer will apply. Every insurer reviews the same OIR-B1-1802 form, but credit amounts and rules can vary by company. This is not insurance advice. Confirm any credit with your licensed insurance agent or your insurer before you rely on it.

What to Do Next

Wind Credit Checker is a free tool that reads your own description of your roof, windows, garage door, and build year — or the wind-mitigation report you already have. It does not inspect your home in person, and it does not replace a licensed inspector or agent. Use it to see, in plain language, which mandated credits might apply to your home and what a professional should double check.