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How Long Is a Florida Wind Mitigation Report Valid Before It Expires?
Use the free tool — Wind Credit Checker
What Is a Wind Mitigation Report?
A wind mitigation report is based on the OIR-B1-1802 inspection form used in Florida. It records details about your home, including the roof, the windows, the garage door, and when the house was built. Insurers use this information to decide which mandated insurance credits may apply to your policy.
Why It Matters for Insurance Credits
Florida requires insurers to offer certain credits based on wind-resistant features of a home. The report is the document that shows whether your roof, windows, and garage door qualify. Without a report, an insurer may not be able to apply these credits.
How Long Does the Report Last?
This is an important question, but the material available here does not state a fixed expiration period for a Florida wind mitigation report. Practices can vary by insurer, and rules can change.
- What we don't know: No set validity period is confirmed in this guide.
- What to do: Ask your insurance company or check with the Florida Office of Insurance Regulation (OIR) directly to confirm current requirements for your policy.
This is not insurance advice. Always confirm expiration rules with your insurer or the agency.
What This Tool Does
The Wind Credit Checker lets you describe your roof, windows, garage door, and when the house was built — or paste your existing wind-mitigation report. It shows which of Florida's mandated insurance credits likely apply, and what the OIR-B1-1802 inspection looks for.
- It is not an inspection.
- It is not insurance advice.
What to Fix First
The tool can help you see which features — roof, windows, or garage door — may need attention based on what you enter. It cannot tell you the exact cost or guarantee any credit; only an inspector or your insurer can confirm final results.
What to Do Next
Use the free tool to enter your own details about your roof, windows, garage door, and build year — or paste your own wind-mitigation report. It reads your actual document or numbers and shows what likely applies to your home. Then confirm everything with your insurance professional or the Florida OIR before making any decisions.