Wind Mitigation InspectionA better report is the credit.
In Florida, hurricane premiums rise and fall on paperwork. The state's OIR-B1-1802 is the form your carrier reads — and the one Lunar photographs, signs, and delivers, most reports within 24 hours. Credit amounts are set by your carrier's filed rates; the inspection documents the features that qualify.
Built for the premium line on your policy.
If any of these describe your situation, this is the inspection that documents it.
Your renewal just jumped
Florida premiums move on documentation. If your carrier has no wind mitigation form on file, they are rating your home without credit for features it may already have.
You replaced the roof or windows
New coverings, a nailed-and-sealed deck, or rated opening protection can change your answers on the form — but only once they're inspected and documented.
Your last form expired
Carriers generally accept the OIR-B1-1802 for five years. If yours is older, the credits it supported may already be gone from your policy.
You're buying in Florida
Bundle it with your buyer inspection and 4-point in one visit — so your quote reflects the real house before you close, not an estimate.
Booking to carrier, in four steps.
Schedule online
Book in minutes — standalone, or added to any other inspection in the same visit.
We document
45–75 minutes on site: roof, attic, openings, and every permit date we can verify.
The form, completed
Each of the seven questions answered from observed evidence, with the photographs that support it.
24-hour delivery
A signed OIR-B1-1802 in carrier-standard format, ready to send to your agent or underwriter.
Same-week wind mitigation across all five counties.
The seven attestations on the state form.
The OIR-B1-1802 asks seven questions about how your home resists wind. Each one is answered from what can be observed and documented on site — never assumed. See the 2026 form guide for a question-by-question walkthrough.
Building code compliance
The permit application date that establishes which code edition governed construction — the answer every other credit is read against.
Roof covering
Covering type, permit date, and product approval — whether the roof meets the current code or the older standard.
Roof deck attachment
Nail size, spacing, and sheathing thickness observed in the attic — the single feature carriers weight most heavily.
Roof-to-wall attachment
Toe nails, clips, single or double wraps — documented where the connection is visible, and photographed.
Roof geometry
Hip, gable, or other — measured against the form's total-perimeter threshold rather than estimated by eye.
Secondary water resistance
Whether a sealed roof deck (SWR) is present and documented — a credit frequently missed on re-roofs.
Opening protection
Shutters, impact glazing, and garage doors, verified against labels and product approvals — rated to the weakest opening on the home.
The document your carrier is reading.
A completed 2026 OIR-B1-1802 in the carrier-standard format, photo-documented and signed by a Certified Master Inspector — most reports delivered within 24 hours.
Every attestation is supported by a photograph, so an underwriter reviewing your file can see the evidence behind each answer. Whether a credit applies, and how much, is determined by your carrier under its filed rates — we document the features; the carrier applies the math.
Every wind mitigation inspection
- Signed 2026 OIR-B1-1802, carrier-standard format
- Photo documentation for each of the seven attestations
- Roof geometry measurements and perimeter calculation
- Permit dates and product approvals where they can be verified
- A call with the inspector who signed it, if your agent has questions
- Bundling with a 4-point or full inspection in the same visit
Brian Walker, CMI™
Every Lunar inspection is performed and signed by Brian Walker — an InterNACHI Certified Master Inspector and My Safe Florida Home participating inspector whose background includes contracted housing inspections supporting U.S. Army housing programs, with 20+ years of building, remodeling, and field experience behind the credential.
One inspector, one standard: contractor-grade evaluation, insurer-grade documentation, and a direct line to the person who actually walked your property.
Lunar Home & Commercial Inspections
Wind mitigation questions, answered.
A wind mitigation inspection documents the hurricane-resistant construction features of a Florida home on the state's OIR-B1-1802 form. Insurers use that documentation to apply windstorm premium credits under Florida law (§627.711).
Seven items: roof covering, roof deck attachment, roof-to-wall connection, roof geometry, secondary water resistance, opening protection, and the building-code/permit date. See Chapter 02 above.
Yes. The OIR-B1-1802 is the statewide form every Florida carrier uses to apply wind credits. Ours is completed on the 2026 edition and signed under Florida License #HI-14111.
Most on-site visits run 30–45 minutes. The signed, photo-documented report is typically delivered within 24 hours.
A wind mitigation report is generally valid for five years in Florida, so a single inspection typically covers multiple renewal cycles.
Yes — wind mitigation pairs naturally with a 4-Point inspection and a roof certification. Our insurance bundle combines all three in one visit.
Why the form is only as good as the inspector.
Certified Master Inspector
The profession's highest credential. Reports signed by a CMI carry weight with agents, lenders, and insurance carriers.
Federal-contract discipline
Brian performed contracted housing inspections supporting U.S. Army housing programs. Your property gets the same checklist rigor — nothing skipped, everything documented.
24-hour reports
Photo-documented digital reports, most delivered within 24 hours, so inspection contingencies and carrier deadlines stay on track.
Technology on every visit
Thermal imaging and instrument diagnostics deployed whenever conditions call for them — documented in the same report.
Northeast Florida native
Coastal wind exposure, mid-century Jacksonville wiring, St. Johns new builds — we inspect what this region actually has.
Support after the report
Complimentary repair re-inspection verification and plain-English answers — the report is the start of the relationship, not the end.