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Uniform Mitigation Verification Inspection Form, page 1
Complex · 73/100Form Complexity Index

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What this form asks for

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The Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is a standardized document used by qualified inspectors in Florida to certify a property's wind mitigation features. This inspection is crucial for homeowners as it can lead to significant discounts on their windstorm insurance premiums by certifying construction elements that enhance hurricane resistance, such as roof shape, deck attachment, and opening protection. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields231
Pages6
Sections27
Tables and lists2
Questions that depend on earlier answers60
Form Complexity IndexComplex, 73/100

The AI checks your answers before you download

13 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Inspection Date and Year of Home Chronology

This validation ensures the 'Inspection Date' is a valid date that is not in the future, and that the 'Year of Home' is a valid four-digit year that occurs before or on the inspection date. This is critical for establishing a correct timeline for all other date-related attributes on the form. A failure would indicate a data entry error that could invalidate the entire inspection's context.

Phone Number Formatting

Verifies that the 'Home Phone', 'Work Phone', and 'Cell Phone' fields adhere to a standard 10-digit phone number format (e.g., XXX-XXX-XXXX or (XXX) XXX-XXXX). This ensures that the contact information is valid and usable for any follow-up communication with the property owner. An invalid format would prevent successful contact and may require manual correction.

Building Code Conditional Logic

Checks that if Building Code option A, B, or C is selected in Question 1, the corresponding 'Year Built' and 'Building Permit Application Date' fields are populated. It also validates that the permit date meets the specific criteria for the selected option (e.g., after 3/1/2002 for option A). This is crucial for correctly classifying the home's construction standard, which directly impacts mitigation credits.

HVHZ Location Consistency

If 'C. SFBC-94 (HVHZ Only)' is selected in Question 1, this check verifies that the 'County' listed in the Owner Information section is 'Miami-Dade' or 'Broward'. This validation prevents the misapplication of HVHZ-specific building codes to properties outside the designated zone. An error would lead to incorrect code classification and potential insurance rating mistakes.

Mutually Exclusive Region Selection

Ensures that for Question 2, only one region (HVHZ, Region 1, Region 2, or Region 3) is selected. Since a property can only be in one windspeed region, selecting multiple options is a logical impossibility. This check prevents ambiguity and ensures a single, correct design windspeed classification is recorded for the property.

Roof Covering Data Integrity

For each roof covering type checked in Question 4, this validation ensures that either at least one data field ('Permit Application Date', 'FBC/MDC Product Approval #', 'Year of Original Installation') is filled, OR the 'No Information Provided' box is checked. It prevents a row from being submitted with conflicting information (e.g., data provided AND 'No Information' checked) or with no information at all, ensuring each selected roof type is properly accounted for.

And 7 more checks
  • Roof Installation Year Logic
  • Weakest Link Selection Exclusivity
  • Roof Geometry Calculation Verification
  • Opening Protection Chart and Summary Consistency
  • Required Documentation Attachment Flag
  • Inspector Qualification Completeness
  • Inspector Signature Date Logic

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How to Fill Out OIR-B1-1802 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Uniform Mitigation Verification Inspection Form.
  2. Use the AI-powered tool to automatically populate owner information, property details, and inspection date from your records.
  3. Proceed through the form's sections, allowing the AI to guide you in selecting the correct options for Building Code, Region, and Roof Slope based on inspection findings.
  4. Detail the roof characteristics by completing the Roof Covering, Roof Deck Attachment, and Roof-to-Wall Attachment sections, uploading required photos or documentation as prompted.
  5. Specify the Roof Geometry, Secondary Water Resistance (SWR), and the weakest form of Opening Protection using the guided checklists.
  6. Complete the inspector's certification section with license details and provide a digital signature, then have the homeowner sign to certify the inspection.
  7. Review all auto-filled and manually entered information for accuracy, then download, print, or securely share the completed OIR-B1-1802 form directly with the insurance company.

Common Mistakes in Completing OIR-B1-1802

The ones the AI is built to catch.

Failing to Provide Required Supporting Documentation
The form explicitly requires at least one photograph or document to validate each attribute marked in questions 2 through 9. Inspectors or homeowners often forget to attach permits, product approval sheets, or clear photos of features like roof-to-wall connections and opening protection labels. Without this proof, an insurer can reject the form entirely, causing delays and forcing a re-inspection, thereby forfeiting any potential discounts.
Incorrectly Identifying the 'Weakest' Opening Protection
This error occurs when an inspector rates the home based on the most prominent protection (e.g., new hurricane shutters) while overlooking a single, less-protected opening like an old garage door or a small skylight. Because Question 9 requires rating the structure's weakest link, this mistake leads to an inaccurate report and incorrect insurance premiums. To avoid this, every single opening must be inspected and the lowest-rated feature determines the overall classification.
Misclassifying Roof-to-Wall Connections
Question 6 involves highly technical distinctions between clips, single wraps, and double wraps, based on nail counts and strap positioning. An inspector may misidentify the connection type, often selecting a stronger category than what is actually present, especially when viewing it from a difficult angle in an attic. This leads to an incorrect assessment of the home's structural integrity and unearned insurance credits that may be revoked upon review.
Confusing Standard Roof Underlayment with a Sealed Roof Deck (SWR)
A frequent mistake is identifying standard tar paper or felt as a Secondary Water Resistance (SWR) barrier in Question 8. The form specifies that only qualified systems like self-adhering modified bitumen or specific taped-seam systems qualify for this significant insurance discount. This misunderstanding results in an invalid claim for a credit, which will be denied by the insurance underwriter.
Inaccurate Roof Geometry Calculation
To qualify for the 'Hip Roof' discount in Question 7, the total length of all non-hip features must be less than 10% of the total roof system perimeter. People often estimate this measurement instead of performing the actual calculations, leading to an incorrect classification. Misclassifying a roof as 'Hip' when it is 'Other' can result in the loss of a substantial insurance discount upon underwriter review.
Incorrectly Matching Building Code to Permit Dates
In Question 1, it is common to select the building code option based on the 'Year of Home' without verifying the exact permit application date, especially for homes built near a code change year (e.g., 2002/2003). This error can place the home in the wrong code category, affecting the baseline for mitigation credits. Always obtain the original permit application to verify the date before completing this section.
Failing to Identify the 'Weakest' Roof Deck Attachment
Question 5 asks for the weakest form of roof deck attachment, but inspectors may document the most common method instead of the true weakest link. For example, an inspector might see 8d nails in the main attic but miss an area over an addition that uses weaker staples, resulting in an overstatement of the roof's uplift resistance. A thorough inspection of all accessible attic areas is required to correctly identify the weakest attachment.
Submitting Inconsistent or Incomplete Header Information
Simple data entry errors in the header and 'Owner Information' section, such as an incorrect policy number, a misspelled name, or a ZIP code that doesn't match the city, are very common. These mistakes cause significant processing delays, rejection of the form, or problems linking the report to the correct policy. AI-powered form filling tools like Instafill.ai can help prevent these mistakes by auto-filling and validating contact and policy information for accuracy.
Leaving the Roof Covering Table (Question 4) Incomplete
Users often check the box for the roof type in Question 4 but fail to provide any of the required verification data (Permit Date, Product Approval #, or Installation Year) in the corresponding columns. This lack of detail forces the underwriter to assume the roof does not meet code, resulting in the denial of valuable roof-related discounts. It is crucial to find and enter at least one piece of verification data for every roof covering listed.
Using an Unqualified or Improperly Licensed Inspector
Homeowners may inadvertently hire an inspector without the required hurricane mitigation training and licensure specified in the 'Qualified Inspector' section. This invalidates the entire form from a legal and insurance standpoint, meaning no discounts will be applied and the homeowner must pay for a second, valid inspection. Always verify the inspector's license number and qualifications against the list on the form before the inspection begins.

Frequently Asked Questions About OIR-B1-1802

 

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How does the AI fill out OIR-B1-1802?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of OIR-B1-1802, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is OIR-B1-1802 to fill out?
OIR-B1-1802 has a Form Complexity Index of 73 out of 100, in the complex tier: 231 fillable fields across 6 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Uniform Mitigation Verification Inspection Form?
This form is used to document a home's wind mitigation features, which can increase its resistance to hurricane damage. Florida homeowners can submit the completed form to their insurance company to potentially qualify for premium discounts.
Who is authorized to complete and sign this inspection form?
Only a qualified inspector, such as a licensed home inspector, building code inspector, contractor, engineer, or architect, can perform the inspection and certify the form. The homeowner must also sign to confirm the inspection took place.
How long is this wind mitigation inspection valid?
This verification form is valid for up to five years from the inspection date. However, it becomes invalid if any material changes are made to the structure or if inaccuracies are found on the form.
What documents do I need to provide with this form?
You must provide documentation to validate each mitigation feature, such as photographs, building permits, or product approval numbers. A FORTIFIED HomeĀ® certificate can also be used as proof for certain sections.
Does a completed form guarantee I will get an insurance discount?
No, it does not guarantee a discount. The form documents your home's features, but eligibility for and the amount of any discount are determined by your insurance provider's specific underwriting guidelines.
What does 'weakest form' mean for roof attachments and opening protection?
The inspection must report the least protective feature present for a given category. For example, if your home has mostly hurricane-rated windows but one unprotected window, the entire home is rated based on that single unprotected opening.
What happens if the inspector cannot access my attic?
If there is no attic access, the inspector cannot verify the roof deck attachment or roof-to-wall connections. They will mark 'No attic access' on the form, and you will not receive credit for these mitigation features.
How is the 'Building Code' section determined for my home?
The applicable building code is determined by the date of your home's original permit application. The form specifies date ranges to identify whether the home was built under the FBC 2001, FBC 2007 or later, or the SFBC-94 for homes in high-velocity hurricane zones.
What is a Secondary Water Resistance (SWR) or Sealed Roof Deck?
SWR is a supplemental layer of protection, like a self-adhering membrane or spray foam, applied to the roof deck to prevent water intrusion if the primary roof covering is lost. Standard roofing felt does not qualify as SWR.
What if one of my windows or doors is damaged?
If any openings like windows, doors, or skylights are damaged and need repair, the property will not qualify for any wind mitigation discounts. All openings must be in good condition to be eligible.
Can AI tools help me fill out this form?
Yes, services like Instafill.ai use AI to auto-fill form fields accurately and save time. While AI can assist with data entry, the physical inspection and final certification must be completed by a qualified inspector.
How can I fill out this form online using Instafill.ai?
Simply upload the Uniform Mitigation Verification Inspection Form PDF to the Instafill.ai platform. Their AI will help you populate the owner and property information fields, which you can then provide to your inspector for completion.
My PDF form is not fillable. What should I do?
You can use a service like Instafill.ai, which can convert flat, non-fillable PDFs into interactive forms. This allows you to easily type your information into the fields before printing the form for signatures.
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