Pillar Guide · Insurance Savings
Wind Mitigation Credits: The Florida Homeowner’s Insurance Playbook.
How impact windows and doors trigger 15–40% off the wind portion of your homeowner’s insurance — the OIR-1802 form, what carriers check, and how to maximize your credit.
What’s in this guide
What wind mitigation actually means.
"Wind mitigation" is insurance industry language for the structural features of your home that reduce the risk of wind/storm damage — impact-rated windows, impact doors, roof straps, roof-deck attachment, and so on. Florida insurance carriers are required by state law to apply credits for verified wind mitigation features.
Your homeowner’s policy actually breaks into two parts: a wind portion (covering storm damage) and a non-wind portion (everything else — theft, fire, liability, etc.). Wind mitigation credits reduce only the wind portion, which is typically 60-75% of a Florida coastal homeowner’s total premium.
Why the wind portion is so big in Florida
Florida is the highest-risk hurricane state in the U.S., and insurers price for that risk. On a typical Palm Beach or Broward home, the wind portion can be the dominant cost driver in the premium — which is exactly why mitigation credits matter so much here.
How insurance carriers calculate the credit.
Carriers apply tiered credits based on what your home has + how it’s certified:
| Mitigation feature | Typical credit on wind portion |
|---|---|
| Impact-rated windows (full coverage) | 15-25% |
| Impact-rated doors (full coverage) | 5-10% |
| Hurricane shutters (full coverage) | 10-15% |
| Reinforced garage door (impact-rated) | 3-7% |
| Roof straps + secondary water barrier | 5-15% |
Impact-rated windows + doors stacked together typically deliver the highest total credit — often 20-35% off the wind portion of your premium, recurring annually.
The OIR-1802 form, explained.
To apply any wind mitigation credit, your insurance carrier requires an OIR-1802 Wind Mitigation Inspection Form — the standardized Florida Office of Insurance Regulation document signed by a licensed inspector documenting your home’s mitigation features.
The OIR-1802 has nine sections covering roof shape, roof-deck attachment, roof-to-wall connection, secondary water barrier, opening protection (your windows + doors), and other code-compliance items. It expires after five years and needs to be re-submitted to maintain credits.
Who completes it
For impact window + door upgrades, we complete the relevant sections of the OIR-1802 form for every install — signed by a licensed inspector. You submit it to your carrier, and the credit applies on your next premium billing cycle.
What qualifies your home.
For impact windows + doors specifically, the qualifying criteria are:
- Florida Product Approval (FL-#####-R#) or Miami-Dade NOA on every window + door — documented by approval number on the OIR-1802.
- Full coverage: every exterior opening (window, door, garage door) must be either impact-rated OR covered by approved shutters at all times.
- Code-compliant install: documented by your municipal final inspection sign-off.
If even one window or door is non-impact and not shuttered, the carrier won’t apply the full impact credit. The math usually justifies going whole-home rather than partial.
Carrier-by-carrier credit application.
We’ve completed OIR-1802 paperwork for installs covered by every major Florida carrier:
- Citizens Property Insurance
- FedNat
- Olympus Insurance
- Tower Hill
- Florida Peninsula
- St. Johns Insurance
- People’s Trust
- HCI Group / Homeowners Choice
- Universal Property & Casualty
Each carrier has its own slight variation on how it applies credits, but the underlying OIR-1802 form is standardized. Submit the form, the credit applies on your next billing cycle.
Maximizing your credit.
- Go whole-home with impact products. Partial coverage means partial credit.
- Stack window + door + garage door credits. Each is a separate line on the OIR-1802.
- Document the FL Product Approval or NOA number for every product. The inspector needs the number, not the brand name.
- Re-submit every 5 years. The OIR-1802 expires; keep credits current.
- Shop policies after upgrade. Some carriers are more generous with wind credits than others. Your independent agent can quote multiple carriers with the same OIR-1802.
Frequently asked questions.
How long until the credit applies?
Typically your next billing cycle after the OIR-1802 form is submitted — usually 30-60 days from install completion.
Do you charge for the OIR-1802 form?
No. The OIR-1802 is included with every Access Impact install — we complete the sections related to the products we installed, signed by a licensed inspector.
Will my credit transfer if I sell the house?
Yes. The OIR-1802 is property-based, not policy-based. The next owner submits the same form (or a new one if expired) to their carrier and gets the same credits.
What if my carrier doesn’t honor the credit?
Florida law requires carriers to apply the credit when the OIR-1802 documents qualifying features. If a carrier refuses, escalate to the Florida Office of Insurance Regulation. We’ve never had a case go unresolved.
Where else can I read more?
The Florida Office of Insurance Regulation publishes the OIR-1802 form and guidelines. Your independent insurance agent can also walk you through carrier-specific application.
Ready to upgrade and capture wind mitigation credits?
Free in-home consultation. Engineered to Florida code. OIR-1802 form completed for every install.
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