Guides / Decision guide
Read the garage door columns on the wind-mitigation form
What Florida's uniform mitigation verification form records about garage doors, and what it cannot tell you about a premium.
What is not established
- No premium, discount or credit outcome is established; each insurer sets its own.
- Which design wind-speed region a Venice or Sarasota home falls in is not stated on the form.
- This guide is not an inspection, insurance advice or a code determination.
What the form records
- Question 9, opening protection, includes garage doors among the openings, and its level chart has separate garage door columns for glazed and non-glazed doors.
- ANSI/DASMA 115 is the garage-door impact standard listed for Level A; a non-glazed door verified to ASTM E 330, ANSI/DASMA 108 or TAS 202 is listed at Level D.
- The form defines the High-Velocity Hurricane Zone as Miami-Dade or Broward counties, must be signed by a qualified inspector, and is valid for up to five years.
Wind load and impact are different questions
DASMA's Florida insurance sheet says opening protection concerns wind-borne debris resistance, not wind-load resistance, and that a non-glazed, wind-load-compliant door that is not impact rated neither earns nor disqualifies an opening-protection credit. That sheet's chart reflects the 2012 form revision, so read the current April 2026 form for the governing wording.
What stays with the insurer
Premium credit amounts are set by each insurer's rate filing. The OIR wind mitigation resources page directs consumers to confirm that an inspector is authorized under section 627.711(2)(a), Florida Statutes. FEMA's overview of its residential wind retrofit guide places garage doors rated for the design wind pressure, and debris protection for glazed garage doors, in its intermediate mitigation package; that is guidance, not a code requirement.
Original paraphrase of the OIR form and resources page, DASMA TDS 188 and the FEMA P-804 overview.
Sources: Florida OIR uniform mitigation verification form OIR-B1-1802 (Rev. 04/26); Florida OIR wind mitigation resources; DASMA TDS 188 Florida insurance mitigation factors; FEMA P-804 (2023) overview
Sources
External references are provided for research context. A source link does not indicate enrollment, endorsement, or availability in your area.