Secondary water resistance Florida is one of the most misunderstood wind-mitigation credits. Homeowners think “I have underlayment, so I qualify.” Underwriting thinks “prove it.” And if you can’t prove it, the credit gets downgraded. On Florida’s wind mitigation form (OIR-B1-1802), the SWR section is blunt: standard underlayments or hot-mopped felts do not qualify for Secondary
The OIR-B1-1802 form April 1 2026 update is official—and it matters for wind mitigation credits.. The biggest mistake homeowners make is assuming “I have upgrades, so I’ll get credits.” In reality, credits are awarded for verified features + insurer-acceptable proof. If the proof is weak, the credits get downgraded—even if the house is upgraded. Florida’s
Wind mitigation credits can reduce the windstorm portion of your homeowners insurance premium—but only if your home’s features are verified and documented the way insurers expect. In Florida, that verification is done on the state’s Uniform Mitigation Verification Inspection Form (OIR-B1-1802). Here’s the truth: most “lost discounts” don’t happen because the house doesn’t qualify. They
The Truth About the 15-Year Roof Insurance Rule Florida Homeowners Hear The 15-year roof insurance rule Florida homeowners hear about is often misunderstood and leads to unnecessary roof replacements. That’s not entirely true. In reality, Florida insurance carriers focus on roof condition, installation quality, and documented inspections — not age alone. A properly maintained roof