What is a wind mitigation report?
A wind mitigation inspection documents construction features intended to reduce damage from strong winds. The report and supporting evidence help an insurer evaluate applicable mitigation credits.
For a Century Village association, the relevant property may be the whole insured building rather than one unit. Ask the association’s insurance agent which buildings, forms, photographs, and supporting records are required for its policy.
Rating, coverage, deductibles, and eligibility are separate questions. Ask the agent to explain how the submitted features affect the actual quote.
What features may be examined?
Citizens’ inspection guidance describes checks of construction, roof characteristics and connections, walls, exterior openings, shutters, and attic areas. The applicable form determines the evidence needed.
| Feature | What the board should gather or ask |
|---|---|
| Roof covering & geometry | Roof permits, installation records, and roof shape information |
| Roof deck & roof-to-wall connections | Safe inspection access and documentation of attachment details |
| Secondary water resistance | Evidence of qualifying underlayment or other accepted protection |
| Windows, doors & other openings | Product approvals, ratings, installation records, and any unprotected openings |
| Shutters or panels | Specifications, labels, storage location, and deployment information |
Unverified features may not receive credit. Photographs and installation records are especially valuable for work that is later concealed. Coordinate that documentation during roof or opening-protection projects.
Use the correct form and a qualified inspector
2026 update: Florida’s Office of Insurance Regulation updated the Uniform Mitigation Verification Inspection Form, OIR-B1-1802, effective April 1, 2026. The Department of Financial Services says new inspections from that date must use the revised form where this uniform form applies.
Building type matters. Citizens currently lists OIR-B1-1802 for residential buildings with one to three stories, including buildings with five or more condominium units. For residential buildings with four or more stories, Citizens identifies its Building Type II and III form. Other insurers’ submission requirements should be confirmed directly.
OIR advises verifying that an inspector is authorized under Florida Statutes section 627.711. DFS describes eligible professional categories and qualifications. A general inspection license or contractor advertisement alone should not replace that verification.
How long does a report last?
OIR says the uniform form is valid for up to five years if no material changes or inaccuracies arise. A reroof, changed opening protection, storm damage, or an incorrect entry can justify review sooner. Ask the agent whether an existing pre-April 2026 report remains acceptable for the policy; the new form does not mean every older report automatically became invalid.
OIR forms & resourcesA practical board action checklist
- Ask the agent first. Confirm the policy, required form, buildings, renewal deadline, and expected benefit.
- Locate the current reports. Check addresses, inspection dates, signatures, photographs, and whether each building is covered.
- Choose a qualified provider. Verify credentials and agree on scope, access, deliverables, and fees.
- Prepare the evidence. Gather permits, product approvals, contracts, invoices, and prior reports. Arrange safe access with the property manager and residents as needed.
- Review and submit. Correct identification errors through the inspector. Send the complete package to the agent and ask for confirmation of acceptance and credits.
- Keep and calendar. Retain the report and evidence, record the next review date, and revisit it after material work or damage.
The property manager’s role
Where included in the management contract, the manager can collect records, coordinate inspection access, track submissions, and maintain the renewal calendar. The board should approve the engagement and review the results with the agent. Technical findings belong to the qualified inspector.
Inspect. Document. Verify. Follow through.
Can owners use the association’s report?
An owner’s HO-6 insurer may ask for building mitigation information. Owners can ask the association or manager for available reports and then ask their own agent whether those documents satisfy the unit policy’s requirements.
A building report does not automatically establish a credit on every owner policy. Unit-specific opening protection and differences between policies may matter. Owners should not change report entries themselves or assume that their neighbor’s credit will be identical.
For a building with mixed windows or shutters, ask the inspector and agent how the actual protection affects the applicable category. One owner’s impact windows do not necessarily establish whole-building opening protection.
How is this different from other inspections?
| Inspection or study | Main purpose |
|---|---|
| Wind mitigation | Document wind-resistant features for mitigation rating and planning |
| Four-point inspection | Review roof, electrical, plumbing, and HVAC condition for insurance underwriting |
| Milestone inspection | Evaluate structural condition under the applicable statutory program |
| Structural Integrity Reserve Study (SIRS) | Evaluate specified components and reserve funding needs |
| Permit inspection | Check permitted work for applicable code compliance |
A wind mitigation report serves its own purpose. Keep required structural, financial, maintenance, and permit work on their separate schedules.
Use findings to plan improvements
Ask what could improve both resilience and insurance treatment during a planned roof replacement or hurricane-protection project. Compare the cost, expected service life, technical benefits, and agent-estimated credits before committing funds.
Discuss permits, association and owner approvals, installation standards, and documentation with appropriate professionals. Possible grant programs have their own eligibility and funding limits; confirm availability before including an award in the budget.
Official sources & related resources
- Florida OIR wind mitigation resources — revised form and validity information.
- Florida DFS inspection and inspector guidance.
- Citizens wind inspection guidance — building types, evidence, and insurer verification.
- DFS insurance overview — inspection purposes.
Reviewed October 17, 2026. Educational information for Century Village West Palm Beach. Confirm the current form and requirements with the association’s insurer and qualified inspector.
Track the report through insurer acceptance
Keep a building-by-building register with the address, form version, inspector, inspection date, evidence, submission date, agent acknowledgment, requested corrections, and next review.
- Confirm which buildings and forms the policy requires.
- Have the inspector resolve errors; do not edit technical findings yourself.
- Ask the agent how accepted features affect the actual quote.
- Revisit the file after roofing, opening-protection work, or damage.
Connect the report with roof and hurricane-protection records. A premium credit, coverage decision, and finding of structural safety are different conclusions.
Connected resources
Authority matters: Florida law, governing documents, UCO procedures, and contractual duties serve different purposes. The added registers and workflows are Board Synergy recommended practices, not official forms or new association rules.