If you’ve lived in Navarre for more than a few years, you know the drill: hurricane season arrives, we hold our breath, and then we wait for the inevitable insurance renewal letter. For a long time, those letters only brought bad news.
But as we start 2026, the tide is finally turning in Florida. While the market is stabilizing, your premium doesn’t have to stay at “market average.” At Cole Inspection Services, we’re seeing Navarre homeowners save anywhere from 15% to 50% on the windstorm portion of their insurance simply by documenting what’s already there.
Here is how a Wind Mitigation Inspection can put money back in your pocket this year.
The 2026 “1802 Form” Update
As of April 1, 2026, the Florida Office of Insurance Regulation has officially adopted the new OIR-B1-1802 Form. This isn’t just paperwork; it’s the key to your discounts. The updated form rewards homeowners for specific construction techniques that were proven to save homes during the recent storm seasons.
If your last inspection was more than five years ago, you are likely using an outdated form that doesn’t capture the full scope of modern discounts.
Where The Savings Are Hiding
When Cole Inspection Services walks onto a property in Holley by the Sea or Navarre Beach, we’re looking for seven specific “credits.” These three are the biggest heavy-hitters for 2026:
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Roof-to-Wall Connection: Do you have clips or “double wraps”? In the Panhandle, many older homes were built with “toenails.” Upgrading to hurricane clips – and having us document them – can sometimes cut your wind premium in half!
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Secondary Water Resistance (SWR): This is a layer of “peel and stick” underlayment beneath your shingles. If your roof was replaced recently, you likely have this. It prevents water from pouring into your home if your shingles blow off.
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Opening Protection: It’s all or nothing here. If every window and door (including the garage door) is impact-rated or has approved shutters, your discount jumps significantly.
Why Now?
In 2026, several new insurance carriers have re-entered the Florida market. These companies are hungry for “low-risk” homes. By presenting a fresh Wind Mitigation report, you make your home a “preferred risk,” allowing your agent to shop your policy across 17+ new providers that weren’t here two years ago.
The Bottom Line
A Wind Mitigation inspection typically takes less than an hour and costs a fraction of what you’ll save in a single year. In most cases, the inspection pays for itself within the first three months of your new policy.
Is your wind mitigation report more than 5 years old? Schedule your 2026 update with Cole Inspection Services or give us a call to see if your home qualifies for the new “SWR” credits! (850) 910-1113
