OIR-B1-1802: The Florida Wind Mitigation Form, Explained (2026 Update): What the wind mitigation inspection checks, how the new Rev. 04/26 form changes things, and how to turn it into a smaller insurance premium

OIR-B1-1802: The Florida Wind Mitigation Form, Explained (2026 Update): What the wind mitigation inspection checks, how the new Rev. 04/26 form changes things, and how to turn it into a smaller insurance premium

The OIR-B1-1802 wind mitigation form decides your Florida hurricane insurance discount, often $300 to $3,500 a year. Here is what it checks and what changed in the new April 2026 version.

Sea Level Rise and Your Home's Windows (What Florida's Research Says About Coastal Building): What Impact Windows Can and Cannot Do in a Surge Event

Sea Level Rise and Your Home's Windows (What Florida's Research Says About Coastal Building): What Impact Windows Can and Cannot Do in a Surge Event

Impact windows protect against wind and debris. They do not protect against storm surge. As sea levels rise and flood zones expand, homeowners need to understand the difference and plan accordingly.

Florida's Inland Wind-Borne Debris Region Expansion: The Research, the Proposals, and Where They Stand

Florida's Inland Wind-Borne Debris Region Expansion: The Research, the Proposals, and Where They Stand

Florida's Wind-Borne Debris Region has followed the coast for decades (apart from a brief 2024 detour inland), but a growing body of research argues it should extend to homes near large inland lakes. Here are the proposals, the science, and where they stand.

Wind-Driven Rain: Why Your Impact Windows Might Not Keep All Water Out: An Honest Look at What Impact Windows Can and Cannot Do During a Hurricane

Wind-Driven Rain: Why Your Impact Windows Might Not Keep All Water Out: An Honest Look at What Impact Windows Can and Cannot Do During a Hurricane

Impact windows are designed to stop wind-borne debris and keep your building envelope intact. They are not designed to be 100% watertight during a 16-hour Category 4 hurricane. Here's what the research says and what you can do about it.

Hurricane Season 2026: Preparation Guide for Florida Homeowners: Month-by-Month Timeline and Home Hardening Checklist

Hurricane Season 2026: Preparation Guide for Florida Homeowners: Month-by-Month Timeline and Home Hardening Checklist

Hurricane season 2026 runs June 1 through November 30. Here's a month-by-month preparation timeline, a printable home hardening checklist, and the window and door upgrades that should be complete before the first storm.

Impact Windows in Cape Coral After Hurricane Ian: Post-Ian Building Code, Product Recommendations, and Insurance Savings

Impact Windows in Cape Coral After Hurricane Ian: Post-Ian Building Code, Product Recommendations, and Insurance Savings

Hurricane Ian hit Cape Coral as a Category 4 with 150+ mph gusts and 10-15 feet of surge. Lee County issued 61,000 building permits in 8 months. Here's what Cape Coral homeowners need to know about impact windows in the post-Ian landscape.

Hurricane Window Film: Does It Actually Work? What Film Can Do, What It Cannot, and Why It's Not a Substitute

Hurricane Window Film: Does It Actually Work? What Film Can Do, What It Cannot, and Why It's Not a Substitute

Hurricane window film is marketed as affordable storm protection, but it does NOT meet Florida Building Code requirements. It won't stop a 2x4 projectile, won't pass building inspection, and won't qualify for insurance discounts. Here's the honest breakdown.

Do I Need Hurricane Shutters If I Have Impact Windows? When Doubling Up Makes Sense (and When It Doesn't)

Do I Need Hurricane Shutters If I Have Impact Windows? When Doubling Up Makes Sense (and When It Doesn't)

If your home already has impact windows, you typically do not need hurricane shutters. Impact windows are standalone opening protection under the Florida Building Code, but there are specific scenarios where adding shutters makes sense.

How Florida's Building Code Saved Homes During Helene and Milton: 358 Structures Assessed, Zero Post-Code Homes Destroyed

How Florida's Building Code Saved Homes During Helene and Milton: 358 Structures Assessed, Zero Post-Code Homes Destroyed

University of Florida researchers assessed 358 structures after Hurricanes Helene and Milton (2024). Zero post-FBC homes were destroyed. 46% of pre-code coastal homes were. Here's the data and what it means for your home.

Top 5 Mistakes to Avoid When Installing Impact Windows in Palm Beach: Five costly pitfalls Palm Beach homeowners can avoid

Top 5 Mistakes to Avoid When Installing Impact Windows in Palm Beach: Five costly pitfalls Palm Beach homeowners can avoid

Impact windows are a smart upgrade in Palm Beach, but the install isn’t plug-and-play. Avoid the five mistakes that waste money and weaken protection: wrong ratings, the wrong installer, skipped permits, poor energy choices, and rushed timelines that collide with hurricane season.

Designing Resilient Medical Centers in Hurricane Zones: A Guide to Impact Windows, Doors and Financing Options

Designing Resilient Medical Centers in Hurricane Zones: A Guide to Impact Windows, Doors and Financing Options

Florida hospitals can’t close for storms. Impact-rated windows, doors, and hardened envelopes keep care online, cut downtime, and lower insurance. With Risk Category IV standards, phased upgrades, and FEMA/insurance financing, resilience becomes mission continuity—and measurable ROI.

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