Florida Statute § 627.711 Premium Discount Estimator

Florida Wind Mitigation Insurance Savings Calculator

Estimate your mandatory windstorm insurance credits based on official Florida Form OIR-B1-1802 roof hardening benchmarks. See how hip roofs, 8d ring-shank nails, and peel-and-stick underlayments slash annual premiums.

OIR-B1-1802 Actuarial Calculator

How Much Can You Slash Off Your Florida Homeowners Insurance?

Florida law (§ 627.711) mandates insurance carriers to grant significant windstorm premium discounts for documented roof hardening. Select your home’s specifications below to calculate your estimated savings.

Estimated Annual Savings

$2,808 / yr

Up to $14,040 over 5 years

Current Annual Insurance Premium$6,000 / yr

$2,500 (Inland / Condo)$6,000 (Avg South Florida)$15,000+ (Coastal Estate)

1. Roof Geometry (OIR-B1-1802 Question 2)~38% Discount

Hip roofs slope downward on all sides like a pyramid, dramatically deflecting hurricane wind uplift.

2. Roof Deck Fastening (Question 3)Category C (Max)

Nail size and spacing holding plywood decking to trusses during high-speed suction winds.

3. Secondary Water Resistance (SWR - Question 4)Verified SWR (+12%)

A self-adhering peel-and-stick membrane applied directly to plywood, keeping your home 100% dry if outer shingles or tiles blow away.

4. Roof-to-Wall Connection (Question 5)

Metal brackets anchoring trusses to concrete tie-beams, preventing the entire roof structure from lifting.

Your Current Property Insurance Carrier

Hardening Status

Platinum (Maximum Hardening)

47% OFF

Estimated Annual Savings:-$2,808 / yr

5-Year Cumulative Savings:$14,040

Projected New Premium:~$3,192 / yr

Form OIR-B1-1802 Credit Breakdown:

Roof Geometry (Q2 - Hip):+$1,482/yr

Deck Nailing (Q3 - Fasteners):+$546/yr

Secondary Barrier (Q4 - SWR):+$468/yr

Truss Tie-Downs (Q5 - Ties):+$702/yr

Final credits subject to verified wind inspection report submitted by certified inspector or roofing contractor.

Unlock Your Official Inspection Credits

Request a certified roof inspection to document your OIR-B1-1802 credits or quote missing wind-hardening upgrades.

Speak Directly with a State Certified Roofer: (561) 841-5676

Understanding Florida Wind Mitigation Form OIR-B1-1802

Under Florida law, property insurance carriers are strictly prohibited from charging arbitrary windstorm rates without crediting verified structural hardening. By understanding the four core engineering checkpoints on your wind report, you can identify simple roofing upgrades that pay for themselves in insurance savings.

Question 2

Roof Geometry

Hip roof shapes withstand wind uplift up to 40% better than gables. Carriers provide their steepest baseline premium credit for homes with verified hip rooflines.

Question 3

Deck Fastening

Upgrading from smooth 6d nails to heavy 8d ring-shank nails spaced every 6 inches along panel edges keeps decking attached during Category 5 gusts.

Question 4

Secondary Barrier (SWR)

A direct-to-deck self-adhering modified bitumen membrane guarantees an impermeable waterproof seal even if shingles or tiles blow away.

Question 5

Truss Connections

Engineered hurricane clips or metal wraps anchoring wooden trusses to concrete tie-beams prevent catastrophic whole-roof detachment.

Frequently Asked Questions About Florida Wind Mitigation

Everything you need to know about certified windstorm inspections, carrier requirements, and maximizing roof credits.

In South Florida (Palm Beach, Martin, Broward, and St. Lucie counties), a certified wind mitigation inspection typically saves homeowners between $800 and $3,500 per year on their property insurance premiums. Homes featuring hip roofs, modern 8d ring-shank deck fastening, and direct-to-deck secondary water barriers routinely receive 35% to 55% reductions in their annual windstorm premium portion.

Form OIR-B1-1802 is the official Uniform Mitigation Verification Inspection Form established by the Florida Office of Insurance Regulation. Under Florida Statute § 627.711, all admitted insurance carriers (including Citizens Property Insurance, Universal, and Florida Peninsula) are legally required to grant actuarially verified premium discounts based on the checkboxes completed by a certified inspector on this form.

A hip roof slopes downward toward the walls on all sides like a pyramid, without vertical gable ends. Aerodynamic wind tunnel testing proves hip roofs deflect hurricane-force winds from any compass direction, reducing wind uplift suction forces by up to 40% compared to gable roofs. Because hip roofs survive tropical storms with dramatically fewer structural failures, insurance carriers award their highest discount tier to verified hip roofs.

Secondary Water Resistance (SWR) is a self-adhering polymer-modified bitumen membrane (commonly known as peel-and-stick underlayment) applied directly to bare plywood or OSB roof decking. If outer shingles or barrel tiles are ripped off by 140+ MPH hurricane winds, the SWR membrane seals around all nail shafts and keeps wind-driven rainwater from penetrating your attic and destroying ceiling drywall.

An official Florida wind mitigation inspection report on Form OIR-B1-1802 is valid for five (5) years from the date of inspection, provided no structural alterations or reroofing projects have occurred on the home during that time frame.